[countdown]I am determined to make 2016 a stress free and debt free Christmas! Keep reading to find out how I plan to achieve this and hopefully pick up some ideas along the way too.
Every year I leave my shopping til the last minute and my anxiety and obsessive compulsive tendencies kick in and I end up spending excessively until I run out of money. I worry terribly that I have to please everyone and end up leaving myself in financial dire straits which is no way to start the New Year. So this year I plan to change that! Do you find that you end up panic buying and then overspending too?
I find it extremely difficult to go Christmas shopping the bright lights and huge crowds are all too much and I end up getting overwhelmed. I constantly worry about whether the gift receiver will like their presents, if I buy a small but pricey gift for one person and a bigger cheaper one for someone else I end up buying extras to make up for the size which is just plain daft.
I am hoping to rid myself of this holiday anxiety and get back to my favourite thing about Christmas which is spending quality time with the people I love; my family.
Debt Free Christmas Plans
Save, Save, Save…
Instead of purely hoping that I will have enough money for Christmas this year I am starting a savings fund! Though how do you start saving when you do not have much spare cash at the end of the month? Well Skint Dad came up with an excellent solution which he named the 365 Day Backwards 1p Saving Challenge. Ok that does sound a little confusing but in the original version you save 1p on day one 2p on day two and so on til you finish the year by which time you will have saved well over £600! The back wards version you start by putting away £3.65 on day one and each day after you put away 1p less for example day two you will save £3.64. That’s the price of a posh coffee in Starbucks so should be doable. I know that with £600 I could have an amazing Christmas! A completely debt free Christmas!
One of my 40 before 40 goals is to enter 75,000 competitions. It might seem a lot but that is less than 30 per day. This year I am going to make a big push towards achieving that goal. I hope that I can win some items which will make good Christmas presents, especially toys for my nephew. I am going to try and win as many gifts as possible so that the money I save in the above challenge can be spread even further. I have already won 30 cans of Carling lager and 4 cans of Carling cider which I am putting away to be drunk in December (I don’t drink but my family will enjoy them)
To keep track of the number of competitions I enter I actually bought a hand tally counter (my affiliate link) from Amazon. It is really quite useful! (and it is pretty fun too)
I am going to try and specifically target items I know that my family will love but it will be nice to win anything *fingers crossed*
I am going to keep an eye out for gift ideas in the sales. I picked up a nice nice aftershave set in Debehams for under £5 reduced from £15 which is fantastic value. It is just a shame that chocolate won’t keep that long because Wilkinson’s currently have Cadbury’s selection boxed for 30p and even if it would last that long I would probably eat it before Christmas anyway hehe.
Make ideas from Pinterest
My final plan for having a debt free Christmas is to make some of my own gifts from ideas on Pinterest. I have seen some really cool chocolate spoons dipped in crushed candy canes which make great hot chocolate stirrers you just need a mug of hot milk to mix them into. Just need to pick up a mould (my affiliate link) some time from Amazon and I would be set. I could make gingerbread men too, there is so many ideas on Pinterest to try.
I know it seems really early to be thinking about Christmas but it always seems to sneak up on me and I really want to become more organised.
Do you plan for Christmas early? do you have any tips? I’d very much like to read them! Don’t forget to leave a comment and come say hi over on Facebook I look forward to hearing from you.