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tods5eshoes · Wysłany: Śro 9:53, 16 Mar 2011 Temat postu: asics sport shoes 9944

6 Ways To Avoid Christmas Debt
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Christmas is a great time of year.
However, one thing we all have to be careful of, is getting carried away and spending so much that we have a massive hangover headache when the bills start to arrive in January.
So here are MY 6 tips for avoiding a January hangover
1. Make sure the PRIORITY bills are covered
Don't borrow from the budget for the important things convincing yourself you'll cover it in January 'somehow'. Especially make sure you cover the Food,[link widoczny dla zalogowanych], Rent, Mortgage, Electricity, Gas,[link widoczny dla zalogowanych], Water and Council Tax. It can get serious if you cut back on any of these.
2. Decide on a Budget
Make a list of who you are going to buy for. Very early on decide exactly how much you have in total to spend on your Christmas shopping. Then divide that up amongst the people on your list. Don't worry if your budget is low,[link widoczny dla zalogowanych], everybody else is in the same boat. You are wondering whether you should drop a person off your list and they are also wondering whether they should drop you. Talk to them. Be true to your budget. It's the thought that counts, and people will understand, especially if you then go out of your way to make something using paper and felt tip!
3. Avoid Expensive Credit
Don't be tempted to take out a store's offer of an instant store card. These can be horrendously expensive. It may be tempting to cover all your Christmas shopping this way, but you'll be brought back down to earth when the bill arrives. If you must use Credit, use a card with the lowest rate you can find, preferably one that also gives loyalty points or cash back. In fact, check your loyalty points on any card you have and cash them in.
4. Bargain Hunt
Check out all the on-line stores. A lot of online stores allow you to look at loads of stuff all at the one time by simply typing in your budget, who you are buying for etc. It's much easier and stress free, and will help you avoid the impulse buy you couldn't afford because you just needed to get out of the crush. Have a look on-line to see if you can find some coupons to help stretch your budget.
5. Credit Free Online Buying
Use a Pre pay VISA/Mastercard. When you've decided what your budget is, load up a PrePay Visa/Mastercard with exactly that amount and use that to shop online with. Not only does it help you keep to budget but it means you don't use expensive Credit Cards and you're not tempted to use your Bank Debit Card.
6. Don't bank on an overdraft.
In the aftermath of the ruling on Bank Charges, the banks are likely to be extra smug and gleefully charge you tens of pounds for going a few pounds overdrawn. Overdrafts are VERY expensive. Talk to the bank first if you think you will need their help. Banks will listen and they will want to help you.
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