Rather than blowing your bank balance this Christmas, why not have a frugal festive season? Although this doesn't actually sound possible - it is! Christmas can cost you a fraction of the price, and you can do just as much as you normally do - parties, celebrations, etc!
And here's how…
Ever go to the store not knowing what you're going to buy (or just having a rough idea), and end up coming back with loads of things you didn't need?
The chances are, the answer is yes. So to stop this from happening again, and to stop you from wasting your money, you should create a shopping list.
To create a shopping list, you should search through your cupboards and fridge before you go shopping and note down what you really need to buy.
By creating a list of the things you actually need, you can avoid walking out of the store with things you don't need!
If you haven't already discovered the pleasures of using discount vouchers, I suggest you start now!
Discount vouchers are readily available online and can often offer you money off at your favourite retailers. New vouchers are constantly being uploaded to voucher websites - you just need to search for 'discount vouchers' on a search engine and take a look at the results.
If you can't find a voucher for the store you are shopping at, don't worry - your local paper may have some in.
Party guests can contribute
If you are holding a Christmas party this year, and are having a few guests over - why not ask them to contribute to the festive celebration?
So, instead of you having to go to the store and buy everything in, you could ask them to bring along some cakes, drinks and other snacks to save you money!
Guest article by Melanie Taylor from financial solutions company Think Money. For guides, help and information on money saving, debt management and financial tools click here now.