Where will you put your Christmas savings? Now you can use our Christmas Saving Budget Planner to count down the weeks to Christmas, keeping track of your savings goals and achievements. Divide this number by the number of weeks left until Christmas to see how much you’ll have to save each week to achieve a debt-free Christmas.
Budget workbook bam full#
Once you’ve got your full budget breakdown you can tot it all up. Do you usually have a night out with the girls? A works do? Will you be buying new clothes for Christmas parties? Add all these expenses up to find your social budget. Think about how many social occasions you and the family are likely to be attending in the run up to Christmas and New Year.Will you be doing Christmas dinner at your house? Will you be hosting any Christmas parties? How many will you be catering for? You can probably get a good idea of how much this will mount up to if you look back at your outgoings from the previous few years. Think about what you will spend on food and drink.
Total them up to find what your gift budget is. Think about all the people you buy gifts for and write down how much you will spend on each one.The first step to successfully saving for Christmas is to plan out how much you are willing and able to spend.
Budget workbook bam download#
This year, why not make like a wise old Elf and start saving for next Christmas now? Download and print our super, free Christmas Budget Planner. When funds are low it is so tempting to borrow money to pay for Christmas, but when you’re still paying off your little ones’ gifts come spring, summer or even autumn, the Christmas spirit really does feel like a distant memory. If you’re anything like us, you probably fall somewhere in between the two extremes.Ĭhristmas is all about creating magical memories with the people you love, but for many of us the pressure to spend to excess can leave our credit cards groaning under the weight of Christmas debt come January. How do you budget for your family’s Christmas? Are you a wise old Elf who knows exactly how much they’ll spend and squirrels away Christmas saving money throughout the year? Or are you an impulsive imp who flies by the seat of their pants and throws it all on a credit card?
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