Doing these things now will help you save money at Christmas
Summary
StepChange advises people to plan Christmas spending early to reduce the risk of financial strain in January. It recommends budgeting for all seasonal costs, limiting spending, and seeking free debt advice if needed.Key Facts
- StepChange says a Christmas budget should cover gifts, food and drink, travel, parties, postage, decorations, and other extras.
- The charity recommends spreading costs instead of relying only on December pay.
- It advises making a shopping list before Black Friday and buying discounted items only if they were already needed.
- Booking train tickets in advance may reduce travel costs when advance fares are available.
- StepChange suggests setting spending limits for social events and discussing gift budgets with family and friends.
- It recommends checking cupboards, the fridge, and the freezer before shopping, then planning meals around food already at home.
- People worried about debt can use MoneyHelper to find free debt advice and check whether they may qualify for benefits or grants.
- The article warns readers to watch for scams, especially when financial pressure is high.
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