SIX months of the year have passed and it’s time to look ahead and start saving.
Put aside a little cash now to plan ahead for the festive period and life will be a lot easier come December.
BUDGET BOOST: Work out your Christmas costs for gifts, food and booze, then divide it by 25 — the approximate number of weeks until Christmas — to see how much you need to put aside each week.
So if you need to save £500, save £20 per week.
Sell a few items on an auction site each month and save the cash and that’s your festive period sorted.
NO-SPEND DAYS: Pick one weekday to spend nothing. Pack lunches, walk to work, skip the takeaway coffee. Save £15 each no-spend day until November 1 and that’s £270 towards the cost of Christmas.
AUTOMATE IT: Use banking apps to squirrel away money. Try Monzo Round-Ups or NatWest’s Digital Regular Saver to start stashing away spare change.
With 175 days until December 22 — the last Monday before Christmas — 50p per day means £87.50 saved.
FOOD SHOP: Asda’s Christmas Savings Card is a helpful way to save. Sign up now or add a little every time you buy groceries and get a bonus amount in November depending on your balance.
If you save £5 per week until November, that would be £90 put aside by November 1. Find out more at asdagiftcards.com.
BANK BONANZA: To make extra cash, switch banks. Open the new TSB Spend & Save account and you get £100, then for up to six months earn £15 cashback when you make at least 20 card payments per month, with further incentives in December. See tsb.co.uk.
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