{"id":12990,"date":"2010-11-10T16:40:46","date_gmt":"2010-11-10T16:40:46","guid":{"rendered":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/?p=12990"},"modified":"2020-04-27T16:46:21","modified_gmt":"2020-04-27T15:46:21","slug":"avoid-christmas-debt","status":"publish","type":"post","link":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/avoid-christmas-debt\/","title":{"rendered":"Avoid Christmas Debt"},"content":{"rendered":"\n<p>Want some ideas on how to avoid the post Christmas blues when we have to deal with our Christmas spending or rather over spending?<\/p>\n\n\n\n<p>Top tip is to plan for the festive season. This means listing what we want to do (and what we do not want or need to do). We make a simple list of \u2018must do\u2019 activities and decide on the maximum we are able and prepared to spend on each item. This is simply formulating a budget.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Let\u2019s start with Christmas cards. Why not just send messages on line to our friends and family. OK \u2013 maybe one or two cards for the special people in our life such as our spouse or grandparents but otherwise we can make a significant saving on the cost of cards and postage.We need to plan our food shopping so as to avoid spontaneous shopping and we should include the alcohol spend in this plan. It makes sense to shop around for offers and bargains, to shop early and to prepare menus for the big meals so that we purchase the right quantities and avoid food wastage. Making shopping lists with this plan can be fun.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-content\/uploads\/2020\/04\/396-1024x684.jpg\" alt=\"Woman with Christmas debt\" class=\"wp-image-12992\" srcset=\"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-content\/uploads\/2020\/04\/396-1024x684.jpg 1024w, https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-content\/uploads\/2020\/04\/396-300x200.jpg 300w, https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-content\/uploads\/2020\/04\/396-768x513.jpg 768w, https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-content\/uploads\/2020\/04\/396-1536x1025.jpg 1536w, https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-content\/uploads\/2020\/04\/396-2048x1367.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>We also need to budget for buying family presents. One idea is to agree the maximum amount each family member will spend and to get consensus with family members on a strategy. For example if everyone bought just two presents &#8211; one big (\u00a350 to \u00a3150) and one small (\u00a310 to \u00a325) then family members would receive two Christmas gifts each \u2013 one big and one small. The whole thing can be organised on a secret Santa basis so that nobody knows their benefactors until Christmas Day. Obviously, the family profile and ages of children are factors in how the plan is worked out but even formulating the plan can be great fun.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Want some ideas on how to avoid the post Christmas blues when we have to deal with our Christmas spending or rather over spending?<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-12990","post","type-post","status-publish","format-standard","hentry","category-general-debt-articles"],"_links":{"self":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts\/12990","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/comments?post=12990"}],"version-history":[{"count":2,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts\/12990\/revisions"}],"predecessor-version":[{"id":12996,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/posts\/12990\/revisions\/12996"}],"wp:attachment":[{"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/media?parent=12990"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/categories?post=12990"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nationaldebtrelief.co.uk\/debt-articles\/wp-json\/wp\/v2\/tags?post=12990"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}