5 Ways to Save Money this Christmas is in collaboration with People’s Choice Credit Union.
This Christmas is probably going to be the most important one of my life so far. Even more important than the first Christmas that I remember as a child. Or the first Christmases of my two children’s lives. Of course they were pretty special too!
This Christmas though, it will be just over a year since I got my Breast Cancer diagnosis and I will have just found out whether I’ve passed my 1 year ‘all clear’. It’s a big one.
Christmas is my favourite time of year and despite the anxiety that is starting to creep up about that appointment, I’m determined to make it a Christmas to remember. This year I’m out of treatment, I’m feeling good and I’m surrounded by family and friends who mean the world to me.
We’ve taken a financial hit in recent months since I left work after my diagnosis and need to be cautious with money and I know this is the same for many of you, for different reasons.
So I’ve come up with a few ways on how to save money this Christmas but still have a fabulous time!
5 Ways to Save Money this Christmas
1. Plan Early
I’ve started making a list of everyone we will be buying gifts for and put money aside for those presents. If we wait until December to do this, we’ll end up panic buying and won’t have the funds to be able to buy what we want.
2. Buy Early
Now I’m never going to be one of those people who buy Christmas presents in the January sales (!) but for the kids particularly, I like to try and get their gifts in the months running up to Christmas when they’re on special offer.
So look out for great deals and sales throughout the year and if you see something your loved one will like, picking it up early can save you a lot.
3. Shop Online instead of in Person
My reasoning for this is twofold. Firstly it’s much quicker to research the best price online than to visit numerous shops. I’ll also avoid the Christmas shopping crowds!
Secondly, if I know exactly what I’m looking to buy, or have a good idea, I’ll be more likely to only buy that item online.
In person, I’m so tempted by Deals and Offers that I end up buying way more than I intended to. I’m a Marketer’s dream!
4. Make, don’t Buy
I’ve always loved crafting and as a child, I used to hand make gifts for family and friends – we all did, right?
This year particularly, I want the gifts I give to be special and from the heart so I’m going to think about what I might be able to make instead of purchasing.. As well as saving me money, I love to receive handmade gifts myself. They just seem so much more thoughtful and personal, don’t they?
If you can’t afford to hand make a gift, why not get your kids to draw or paint a special picture? Or why not offer to do something to really help your loved one out like make a special dinner for them, babysit their kids or take them out for the day?
5. Stick to your Budget
Even when I’m most organised and have planned ahead with my gift buying, I can still be swayed by adverts and special offers encouraging me to buy more gifts, beautiful decorations and Christmassy candles (I’m addicted!).
This year I’m setting my budget now and sticking to it because I don’t want to spend January stressing about what I spent the year before.
I want this Christmas to be relaxed and I have everything crossed that my annual check-up has great results and it will be double the celebration!
As well as budgeting for Christmas, we’re also in the process of saving to buy a family home next year, so getting our finances in order now is particularly important. It’s something we discuss every day.
We’ll be saving as much as possible so that when we borrow, that loan amount is as low as possible.
People’s Choice Credit Union
If you need a personal loan to help you make a big purchase that’s important to you, I’ve been finding out about Personal Loan’s offered by People’s Choice Credit Union. People’s Choice is one of Australia’s leading credit unions, they’ll help you get the right personal loan that’s right for you with some of the most competitive rates in the country and you can find out more here.
People’s Choice would like to take some of the stress out of one of my reader’s Christmas by giving away a $100 Visa gift card! Think of the Christmassy goodies you can get with that!
- 21 Money Saving Tips and Hacks!
- 52 Week Money Saving Challenge
- How To Save Money Selling Your Home With Purplebricks!
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To be eligible to win, simply complete the Rafflecopter, follow me on Instagram and YouTube and then comment below with how you would spend the $100 gift card this Christmas.
And the winner is….Nicole! Congrats and thank you so much to all who entered!
The most creative answer from eligible entrants will win!
Terms and Conditions
- Giveaway open to Australian residents only.
- Closes on Nov 13th 2016.
- Winner will be announced here on Nov 14th 2016.
Disclosure: This 5 Ways To Save Money This Christmas post is sponsored by PCCU.