Budgeting tips for Christmas shopping

Planning is vital - 'no guessing, no stressing'.

Planning is vital - 'no guessing, no stressing'.

Planning is vital to achieving a good Christmas and especially important for those on a tight budget, says Gisborne Budget Advisory Service manager Lynda Markie.

“Even if you haven’t been able to put anything aside throughout the year, you might find that planning your Christmas shopping helps to keep costs from ballooning out of control,” she says.

Start thinking of gift ideas now and prioritise who you want to give to.

“Check your budget and think about what you can go without for a while, like treats, outings and takeaways.

“If you cut back on these things, you can put the money you save towards your Christmas budget.

“Think about what you want to buy the people on your list.

“Having something in mind can help stop impulse buying.”

Mrs Markie says it is important people track their spending, stick to a budget and consider some do-it-yourself options.

“Homemade gifts are a great way to save money.

“Whether you want to just make a few homemade gifts to stretch the budget dollars or make all of your gifts and have a totally homemade Christmas . . . don’t put it off, get started now.

“A budget makes Christmas shopping more fun because you know how much you can spend on the people you love.

“No guessing. No stressing. Create a Christmas budget today and experience the joy of giving without the stress of debt.”

Planning is vital to achieving a good Christmas and especially important for those on a tight budget, says Gisborne Budget Advisory Service manager Lynda Markie.

“Even if you haven’t been able to put anything aside throughout the year, you might find that planning your Christmas shopping helps to keep costs from ballooning out of control,” she says.

Start thinking of gift ideas now and prioritise who you want to give to.

“Check your budget and think about what you can go without for a while, like treats, outings and takeaways.

“If you cut back on these things, you can put the money you save towards your Christmas budget.

“Think about what you want to buy the people on your list.

“Having something in mind can help stop impulse buying.”

Mrs Markie says it is important people track their spending, stick to a budget and consider some do-it-yourself options.

“Homemade gifts are a great way to save money.

“Whether you want to just make a few homemade gifts to stretch the budget dollars or make all of your gifts and have a totally homemade Christmas . . . don’t put it off, get started now.

“A budget makes Christmas shopping more fun because you know how much you can spend on the people you love.

“No guessing. No stressing. Create a Christmas budget today and experience the joy of giving without the stress of debt.”

Help at hand from budget advisory office

Gisborne Budget Advisory Service, 48 Cobden Street, is open week days until Friday, December 21 or phone (06) 867 7173 for a free and confidential session.

The service reopens for the New Year on Monday, January 7.

Over the Christmas/New Year break, if you are concerned about your finances you can contact MoneyTalks in several ways

  • Call 0800 345 123 (free calls)
  • Text 4029

The MoneyTalks helpline is available Monday to Friday from 8am to 8pm and on Saturday from 10am to 2pm, except for the statutory holidays (Christmas Day, Boxing Day, New Year’s Day, January 2).

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