lesson 33: Ho Ho Ho How far will you go?

With Christmas around the corner, how much are you planning on spending? And will you stick to your plan? It sounds like common sense but most of us don’t take the time to quickly jot down how much we’re spending on who. Add to this travel and food costs and we all know Christmas can be expensive. The first step is to put it on paper. If you’re not being paid for your holidays make sure to space out your current income. (eg put that $1000 pay check down as $500 each week  for 2 weeks). The Basic Budgeting spreadsheets are great for this, as is Excel.

Sticking your head in the sand over the festive season will only leave your bottom exposed to be whipped in the New Year! And remember presence is more important than presents. See what I gave my niece and nephew for Xmas by signing up to the newsletter at www.financialfitness.com.au