Countdown to Christmas – 14 Money Saving Days to Go

Hampers – Scampers!

Don’t fall prey to the many offers to sell you a super duper Christmas hamper, check out what you get for your money and compare what’s in them to how much those things would cost at a normal supermarket.

I bet the price you’d pay is far less than what they are charging for the hamper rather than doing the shopping yourself, scandalous!

Also, don’t fall for the pay weekly ones either, thousands of people lost out when one company went bust just before Christmas a couple of years ago leaving them without any funds for food over the Christmas period.

Instead, I work out, in my budget, what I’ll need for Christmas and put away 1/12th into a regular saver each month, I’ll not only have money available to spend at Christmas and also avoid the dreaded debt, but I also get a bit extra in the form of interest to spend as a bonus, we look forward to that each year.

I’ll start to think about drawing up my budget for 2010 soon so I’ll be able to cater for next Christmas – planning is everything to stay debt free.