CHRISTMAS IN JULY?

Maybe, but it is time to start planning for the Festive Season without breaking the bank.

We have some tips on how to avoid the budget going into the 'red' and still enjoy your Christmas and New Year Festivities:

• Make a Plan - the key to a successful Christmas is to make sure you plan your expenditure.
• Separate Your Cash and Credit Cards - you should separate your cash and credit card expense budgets. Always using a credit card or cash card may mean you are not keeping track of your expenditure and could receive a nasty shock when the statement comes in January.
• Specify your Credit Card Limit - use a credit card that has a specific limit that matches your Christmas credit card budget.  This way you don't spend more than what you have budgeted for.
• Withdraw the Cash You Require - only withdraw the cash budget, so when you run out, you know you have met your budget and won't overspend.
• Include EVERYTHING in your Budget - make sure you try to think of all expenses, no matter how small, that will be incurred during the Christmas and New Year holiday.

Once you have made your plan, and you know your expenditure budget, you can enjoy the Christmas/New Year festivities, without the worry of whether or not you are over spending.

To assist you in making your Christmas budget we have prepared a FREE MCKFS budget form.

If you find it difficult to make a budget and stick to it, please do not hesitate to contact my office and arrange a FREE FINANCIAL ASSESSMENT APPOINTMENT because #everyoneneedsaplan to ensure they can meet their expenses during the Festive Season.