1. CHRISTMAS SHOPPING
Christmas Money Saving Guide 2013 5
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Daily Deals save you 80% off the RRP (or more!)
Daily deals websites are an amazing way to save money - where you can literally save 80% off anything you buy, and this can include days out, meals and presents. You dont even have to search for the deals this way - they get sent to you in an email once a day. Sign up to the three below for FREE to see a mix of what is on offer:
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0% Credit on spending
If you do need to use a credit card to make purchases you have got to get a 0% card. This way you can spread the cost of Christmas over a few months, or even a year, without paying any interest! You will only pay back what you borrow and you can plan how and when you want to do this without the debt spiralling out of control.
creditcardlocator.co.uk is a website that will help you find the best card for your situation - do this before ever going to a payday lender!
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Manage Expectations
Don’t let your children pester you to the point of you giving in and breaking the bank to accommodate their demands. A good solution is to strike a deal, maybe they can pay back half the cost of an expensive gift by getting a Saturday job. Another option is to off-set the gift - a weekend trip to a theme park in the summer months when they are open - and gives them something to look forward to!
More on the next page....