With just a few weeks left until Christmas, you may find yourself asking, How can I afford everything? Don’t worry! There’s still time to create a thoughtful budget and keep your finances on track.

Plan Your Holiday Expenses
Start by listing all your anticipated holiday costs.

This will help you understand where your money is going and identify areas to cut back.

• Gifts
• Parties
• Food and Drinks
• Travel
• Decorations

Writing it all down not only helps you stay organized but also sets a savings-focused mindset.

Celebrate on a Budget

Looking fabulous for a Christmas party doesn’t mean emptying your wallet. Try these budget-friendly ideas:

• Rent or Borrow: Websites like Happy-Days and Designer Room offer affordable outfit rentals if you’re looking for something really special for that big night out! (Do plan now though as they may get booked up!)
• Borrowing from a friend is another great option. You may be surprised how many people are open to this idea!
• Buy Pre-Loved: Check out charity shops for pre loved, stylish, affordable finds. They really are top notch these days!
• Accessorize: Refresh an old outfit with new accessories, like a glamourous belt or statement jewelry.
• Affordable Socializing
  The holidays are about spending time with loved ones, but that doesn’t mean breaking the bank. Meet for a casual lunch in your home, grab a takeaway coffee and go for a nice outdoor walk!

Budget-Friendly Gift Giving
Thoughtful gifts don’t have to cost a fortune. Here are some ideas:

Bake goodies – how about easy to make gingerbread biscuits? Or make a relaxing lavender infused oils (buying one essential oil and a bottle of carrier oil could cover up to 6 gifts!) or offer homemade vouchers for services like babysitting or pet sitting (always appreciated) or even post Christmas cleaning! Organizing a Kris Kringle exchange is a REALLY great idea or just buy for the kids under 16. Many people prefer to save the environment from unwanted consumerism than something they will never use.

Smart Food Shopping
A well-thought-out shopping list can save you money and reduce waste:

• Prioritize essentials.
• Add a few indulgences if your budget allows.
• Stick to your list to avoid impulse purchases.
• Take advantage of supermarket loyalty programs and apps for discounts.