If you're an avid saver and always strive to pop something away each month you may need to cut yourself some slack over the festive period. Having a budget helps you not overspend so stick to it and you'll thank yourself later. But, as quick as you can say "Drinks are on me!" you could blow your budget you've just worked so hard to sort out. It's easy to get carried away and lost in the festive moment. This way, you know that all your bills are covered and that what you're spending is there to be spent! Working this out should be fairly straightforward and our budgeting tools above are there to help, too. Transfer your disposable income or bills to a different account so that both sections of your life are completely separate. Or, why not try and create a bullet journal spending tracker with some of bullet journal influencer Abby's great ideas - you could even make it look festive if you're a creative type.
#JANUARY BUDGET WORKBOOK PDF#
If you need a little help creating your budget, why not check out our online budgeting tool? Or, if you prefer to write things down we also have a downloadable PDF budget planner ready to fill in. Set a budget for each of your festive outgoings such as presents, decorations, treats, meals out, drinks with pals and all the other fun stuff out of the money that's left.Take away your usual outgoings from your incoming money and you've got your disposable Christmas cash.Make a note of how much all of your outgoings total up to.Here's three steps to creating your budget Once you have your budget, stick to it and you shouldn't have any January blues when it comes to cost. Forward planning is one of the ways that you can reduce the financial burden of Christmas. Here are our top tips for ensuring that your cash lasts you as long as it needs to - and you still have the best Christmas you can.īudgeting starts with knowing how much you have to spend over the month and not going beyond that. Sometimes it's made even harder if you've been paid earlier than usual, too. As one of the most expensive months of the year making your pay packet stretch until January's pay day can be as tricky as resisting the mince pies at this time of year.
But, we're all expected to up our outgoings quite considerably throughout the festive period and this can lead to some budgeting roadblocks. Getting paid in December isn't a Christmas present, that's for sure.
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