Christmas is just around the corner and if you are afraid more than being happy – you don’t need to anymore. You can still save money this Christmas. Who says you can’t have a frugal Christmas of your own.
You can consider depositing a little money every month in the reserve. But before you do that, calculate your average Christmas expenses and then divide the amount by 12 (for every month)
1. Start a Christmas reserve
2. Always go by a list when you shop for Christmas. While shopping, make sure you stick to the list – nothing extra, I repeat nothing! Additionally, it’s important to make sure that you do not shop during Christmas days.
We all have our favorite brands, but in case you think that your brand favorites are expensive and you can find cheaper alternatives, feel free to switch. It would be worth it if it allows you to save money and remain debt-free in the end.