Week 4 – October 22nd, 2018
When you are putting together your budget for the coming month, take some time to put together a budget for Christmas. Granted, Christmas is stressful enough without the additional burden of trying to stick to your thrifty principles and the very real danger of driving your sleigh straight into a whole heap of debt. But it is the very last time to lose sight of your budget. You are about to be blindsided by urgent and ever-expanding to-d0 lists, distracted by sparkly shop displays, and lulled into a false sense of security by the festive spirit… Just when your purse strings most need you to get a grip.
You need determination. You need self-control. Baby, you need a Plan. Careful planning now will save you from pricey panic-buying in December. Plus, it might leave you free to actually enjoy the run-up to Christmas. If you want to deliver a magical Christmas on a real-life budget now is the time to decide what that budget is going to be.
DIY gifts are one way of keeping on-budget at Christmas but be aware that not everyone will thank you for a home-made gift, no matter how thoughtful or skillfully made. To work out who you should – and should not – consider making gifts for, take a look at Who Is Going To Thank You For A Home-Made Gift?
I will be back next week with a fresh Thrifty Habits Planner and some advice about thrifty stocking fillers and why you really need them no matter how tight your budget is.
Free, Downloadable Thrifty Habits Planner To Keep You On Track
So, you want to get into the habit of spending less without putting in more effort? You need something to remind you what to do and when, so you don’t have to keep thinking about it. The Thrifty Habits Planner is a simple tool to help you do just that. Use it to pencil in which thrifty things you plan to do this week and to pin yourself down to when you plan to do them. If you take control this way at the start of the week, you are far more likely to have stuck to your plan by the end of the week. Sticking your plan up somewhere you will see it every day helps you to stay on track too.
Take time at the end of the week to give yourself a little treat as a reward for your thrifty efforts. Little splurges will actually help you to stay thrifty – read this to find out how.