Dare we start talking about the ‘C’ word in October. But unfortunately it’s creeping into our homes, into our wallets, and possibly down the chimney. Christmas is only 2 months away TODAY and cutting down the costs ahead of Christmas “prep” will help you start 2020 with a fresh, in-debt, money managed year.


Make a list (…check it twice)

The best way to start the Christmas budget list is to understand who you really need to buy presents for and how much you can afford to spend on each individual. This list is personal, so don’t worry if you’ve chosen to spend a little bit more on your partner than you uncle twice removed.

It’s best to be strict yourself when it comes to the list, otherwise there isn’t any point.

TIP: Make the list on your phone in the ‘Notes’ or an actual handwritten list, so you can add the actual cost of presents per person when you do start shopping. 


Start Christmas Shopping Online – sorry King Street

Beginning your Christmas shopping now means you can budget better, lookout for online sales and create wish-lists (we’re all about the Amazon wish list send out). Encouraging friends and family to send you their links to Christmas products will save you even more time. Just watch out for the delivery estimate, to make sure you get everything in time.

TIP: Look out for voucher codes that run across websites during the next 1-2months. There is always a deal to be made and money to be saved! 


Be Creative This Christmas

If you’ve got a creative eye, why not look into making your own Christmas cards this year or even gift hampers full of homemade jams, chutneys and creative products. You can make these all in advance and it will save you money in the long-run, plus – who doesn’t love a handmade, sentimental gift!


Hand Deliver Your Gift Cards

Who doesn’t love a good excuse to catch up with friends and family for ‘Christmas drinks/dinner’? So if you’ve already beat us to it and bought your presents, made your cards and you’re ready to start handing out the Christmas spirit, then get organising dates in the diary to meet up rather than spending money on postage.


Apply for a Personal Loan

To help relieve the Christmas stress this year, why not apply for one of our Personal Loans? Rather than worrying whether you’ll be able to afford presents, going out, work Christmas parties and all the other festivities that take place over the next 2 months, be Smart and take out a Personal Loan and we’ll do the rest.


Apply Now