by Gail McTaggart
Sticking to a budget is hard enough during the year, but even more so during the festive season. Effective Christmas book keeping is the best way to ensure you stay within your financial limits.
List everyone for whom you want to buy gifts and the amount you want to spend. Be sure to shop around for the best possible price.
When you’re putting together your budget, don’t forget that your regular phone, electricity and credit card bills don’t go away just because it’s Christmas!
Keep all your receipts in a folder and mark off each name and the amount you spent as you go. By going through your list systematically, you’ll ensure you haven’t missed anyone this year – and that you have stayed within your limit.
And start the New Year Happy!