Christmas Spending

"Don’t let Christmas card red
"Turn into credit card dread"
Lyn Bell

Christmas seems to come around earlier every year, don't you think? Is it because we are putting the decorations out earlier and earlier. I'm sure that's got a lot to do with it.

Just a warning here, don't get carried away with the credit card as you could be paying off this year's Christmas gifts at this time next year. Planning for Christmas spending throughout the year is a good idea. Such as, putting a little aside each pay day into an interest bearing account and buying a regular sum of Christmas club vouchers each time you buy your groceries. This is actually a great way to have that bit of extra cash for Christmas goodies. The supermarket sells the voucher below the actual value and your return is tax free. Often the supermarket will have a special night where you can spend your vouchers and get extra discounts as an added bonus.