Budget Early For Next Christmas
Feeling the financial hangover from Christmas still? Avoid the worst this year by planning ahead. According to TV money guru Martin Lewis, too many of us try to foot the holiday season with December’s salary alone.
It’s unrealistic – and unaffordable. Instead, start spreading the cost over the course of the year by putting aside £30-£50 in a savings account each month and then loading it to your UNISON Prepaid Plus MasterCard for your holiday season’s spend. You could make things even thriftier by taking advantage of 3%-6% cashback when you spend the accumulated funds at a range of high street retail partners.
Find out more here. Remember, unlike other cards your prepaid plastic comes with no credit checks or overdraft charges. You can only spend what you load, putting you firmly in control of your finances.
Fed up of your New Year intentions falling by the wayside? We’ve got some practical tips for making them – and your money – go further in 2013.
Best Resolutions For Your Wallet
Firstly, be specific. Vague plans to “save money” will never be achieved unless you come up with concrete, clear steps to make them happen. Why not commit to putting a small percentage of your wages away and maintain the habit by setting up an automatic deposit? Desperate to dine out less? Figure out why first. If too much of your monthly income goes on work lunches, for example, plan alternative bites you can bring from home and reward your dedication by still allowing one day a week for the canteen.
Or look out for restaurant deals and online vouchers for offers including 50% off your bill. Want to shop less? Resolve to write out and stick to a list every time you hit the high street. Keen to get healthy? Gym membership can be pricey. Shop around for the lowest monthly fees or get creative with free fitness solutions like jogging. Teaming up with a friend can also help – ask them to be your trainer to keep motivation going.
Above all, take a balanced approach to the months ahead, marking each one off with manageable milestones. You’ll keep your purse plump – and feel pretty happy with your tenacity too.
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