Start December with a Christmas budget. First, it is important that you get an overview of how much money you have in the account and how much money you want to spend on the different Christmas items. You must of course remember to include your normal fixed expenses.
You can possibly try to take as a starting point how much money you have approx. spent last Christmas.
Make a shopping list
If it is you who is responsible for the Christmas dinner or Christmas party, be sure to write a complete purchase note and stick to it. In this way, it is easier to avoid impulse purchases and spend money that you have not set aside for the purchase.
Moreover, at this time of the year there is almost always one of the many supermarkets that offer Christmas, pork roast, soda, table decorations or something else. Therefore, be sure to look in all quotes and find the best deals
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Plan your Christmas gifts
Are you one of those who didn’t get cheap Christmas gifts for Black Friday? Don’t despair, there are still good deals to catch up. Use a service such as Pricerunner, where you can compare prices from several different.
You can also agree with those you need to buy Christmas gifts to buy for a certain amount that matches your budget. In addition, most people probably agree that it is the Christmas spirit and the togetherness that counts and not the size of the Christmas gift.
Check your account continuously
Remember to regularly check your account so you don’t spend too much money and possibly end up with a overdraft.
Unfortunately, Christmas is often behind people and ends up being even more expensive than intended, as it is not just gifts or Christmas dinner that costs a lot of money. It can also be unforeseen or spontaneous expenses that can burst the account during Christmas time.
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Loan money for Christmas
But what if, despite a deliberate budget, you still find it hard to afford all the Christmas gifts, the Christmas party clothes or the last details for the Christmas table? Then you might consider the possibilities of taking a small consumer loan to get rid of the last Christmas expenses.
If you lack money for some of the Christmas expenses, you might consider recording a small consumer loan
Of course, you only need to take a loan if needed and you can’t find money elsewhere in your finances, for example. by saving on other things.
If you choose to borrow, be sure to borrow only what you need. If it is not realistic for you to repay the loan in relation to your finances, then of course you should not take out a loan. Make a summary of your income and all your expenses so you can better figure out whether you can afford a loan over time.