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November is a time when the smart shopper starts looking at purchasing that special present for family and friends.  

BUT, before you rush into a ‘spending frenzy’ take the time to read our following guide, 

‘6 Ways to Shopping and Spending Wisely’. 

Yes, think before you buy! Thoughtful buying and spending habits can leave you and your loved ones happy and thankful, without the stress of ‘over-debt burden’! 

Often the trap of over-spending is getting caught up in the expectations that we place on ourselves, to buy bigger and better, thinking that’s what others expect from us. We want to impress and jump in with all cash registers cha-chinging!

But we pay the price later. If you are living on a ‘budget’ it’s a fact that over committing financially usually brings only stress and pain when the ‘bills’ come in. Why give yourself a ‘debt hangover’, when there are some ways to help avoid it.

6 TopTips, Ways to Shopping and Spending Wisely:

1.Sit down now and review your finances.

Draw up a Budget to establish what can you realistically allocate for Christmas shopping.  Vital to stick to it! With rising costs and inflation makes sense to do more with your cents!

2. Don’t spend what you don’t have

or more than you have budgeted for.

3. Paying with cash!  

It may be old-fashioned, but its an ‘oldie’ but a goodie - 'if you can't afford it, cash, don’t buy it', particularly when looking at 'descretionary' purchasing, ‘wants’ rather than ‘needs’ items.

4. Be wary of going crazy with credit! 

It's easy to access credit sources but spending can quickly get out of hand AND you will pay the price later with usually high provider charges, extra costs, and ‘debt stress’.

5. Consider a family ‘gifting’ strategy. 

This may mean a contribution from each family to buy one gift per person to put under the Christmas tree. This 'joint effort' still allows the joy of gifting, giving and receiving.

6. Remember what the ‘spirit’ of the Festive season is about!

A time of celebrating together, sharing time with those you love. The gift of quality time can’t be bought.

I hope these ‘wise’ Tips will help save you money and be debt-stress free! 

Merry Festive shopping and spending!