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You know the old story, Christmas time was wonderful with parties to attend and presents for one and all, by New Years Eve your funds were running low but you were determined to have a good time anyway, and by the time January rolls around you've got nothing in the bank account and nothing in your wallet but loose change and a few maxed-out credit cards.
[Image1 Image courtesy of graur razvan ionut / freedigitalphotos.net]
If you follow this simple plan, you can
avoid being broke in January next year.
Time: 30 minutes
Optional - computer
Then write an estimate of how much you would like to spend on items experiences or people. For example, if you have kids to buy presents for, you could set a budget for each of them, or a partner or each friend or family member you like to indulge.
[Image2 Image courtesy of Stuart Miles / freedigitalphotos.net]
[Image4 Image courtesy of stockimages / freedigitalphotos.net]
You know if you just leave it in your regular bank account or stashed under a mattress you're going to spend it - so a good is to set up another high interest bearing bank account for just this purpose. People used to call them Christmas Clubs, but the term seems to have gone out of fashion. Now you can find them with virtually any bank and if you shop around, you're bound to find one which doesn't have any fees attached.
If you then set up a regular deduction from your main account to come out automatically on pay day, that small amount will come out and go straight into your Festive Season Fund. Don't look at the account or pay it any attention at all, don't think of it as your money that can be used to pay for other things, for eleven months it doesn't exist.
Then you can sit back and relax, and when December rolls around, you'll be able to withdraw it all and have a great time without having to dip into living expenses or use a credit card once!
[Image5 Image courtesy of Stuart Miles / freedigitalphotos.net]
229739 - 2023-07-17 11:44:23