It’s Christmas time!
It’s that time of the year again where it’s December and we’re heading towards another Christmas.
With interest rates, the cost of living and petrol all rising significantly, we unpack some tips to help you get through a cost effective and hopefully less stressful Christmas:
Set a budget. Determine what you are comfortable spending and stick to it. You don’t need to get caught up in previous Christmas traditions which will be to the detriment of yourself financially. The times have changed, things are now more expensive and it’s important to look after yourself financially.
Start early. If you can purchase your Christmas presents throughout the year this will help you. Take advantage of end of financial year sales and Black Friday sales to grab a bargain, you will notice the difference in price.
Say no. If you can’t afford to attend or host Christmas, don’t be afraid to speak up.
Go easy on yourself. Don’t put unnecessarily pressure on yourself just because i'’s Christmas time.
Of course we at FIMA are always available to chat if you are feeling financial strain or pressure. Don’t be afraid to reach out.
