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Tip 3 in our countdown to a stress free Christmas is here: stick to a Christmas budget to avoid a debt hangover in the New Year.

All through November and December we will be offering up advice, tips and hints every day on how to enjoy a stress free Christmas!

You can catch up on all 21 tips for your stress free Christmas on our website.


Stress free Christmas tip 3 – stick to a Christmas budget

It is all too easy to get caught up in the Christmas advertising campaigns that encourage us to ditch the Christmas budget.

Buy your way to a happy Christmas they imply. Spending more means a better Christmas for you and your loved ones.

Christmas budget

‘Go on’ says Santa, ‘spend a little more…’

Of course that is completely untrue. Worse still it can often lead to a Christmas debt hangover and relationship problems in the New Year.

Set a Christmas budget with your partner/family in advance of Christmas for gifts and entertaining. Then stick to it like the beard on a shopping centre Santa.

Christmas budget

Knowing you are not running up a huge credit card debt for January is a big step towards a stress free Christmas.

Read this guide to avoiding Christmas debt from our friends at Scotcash.


Catch up on all of our 21 tips here or follow on Twitter and Facebook.

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