The festive season is all about family, laughter, and making memories together, but keeping everyone entertained can get pricey.
Thankfully, there are plenty of fun, creative ways to soak up the holiday spirit without spending a cent.• Set a budget and stick to it
• Make a list and prioritise your spending
• Consider DIY gifts or experiences
• Take advantage of sales and discounts
• Use cashback apps and rewards programs
• Additionally, consider implementing the 50/30/20 rule:
• 50% of your income goes towards necessities (rent, utilities, and groceries)
• 30% towards discretionary spending (gifts, entertainment, hobbies)
• 20% towards saving and debt repayment
By following these tips and being mindful of your spending, you can enjoy the holiday season without breaking the bank. Start the new year with a positive balance and a clear financial conscience.
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