{"id":12337,"date":"2015-10-22T13:22:25","date_gmt":"2015-10-22T12:22:25","guid":{"rendered":"https:\/\/www.pennygolightly.com\/\/?p=12337"},"modified":"2015-10-22T13:25:07","modified_gmt":"2015-10-22T12:25:07","slug":"christmas-money-saving-in-october-preparation-is-the-key","status":"publish","type":"post","link":"https:\/\/www.pennygolightly.com\/christmas-money-saving-in-october-preparation-is-the-key\/","title":{"rendered":"Christmas money-saving in October: preparation is the key"},"content":{"rendered":"

\"Christmas

Sorry to mention the C Word, but we\u2019re three pay packets away from Christmas<\/strong><\/em> right now. It\u2019s a good time to think about spreading the cost of the festive season, and think of a few ways to do what you want to do for the holidays in December without running up debts.<\/p>\n

Yes, it\u2019s also time to mention the D Word. There is no shame at all in having an affordable \u2013 or even a \u2018budget\u2019 \u2013 Christmas. Many of us have a little less disposable income in our pockets this time around, so it\u2019s wise not to go over the top. The last thing anyone needs for the New Year is a millstone of debt to pay off before you can get back to stability.<\/p>\n

Remind yourself what\u2019s most important<\/h1>\n

Before we all become caught up in the worst excesses of the season, take a brief moment to think about your favourite things about Christmas (or Hanukkah or Yule or anything else you\u2019re celebrating). Is it making Christmas stockings for kids or baking mince pies? Decorating a tree? Seeing someone you don\u2019t get to see very often? Putting your feet up for a few hours and watching some movies on the telly? Something else?<\/p>\n

Getting back in touch with your own personal meaning of the season is a good reminder. It\u2019s what\u2019s really important to you, not what marketers or other people think should be important to you, and it can be a great help in prioritising your spending and staying on budget.<\/p>\n

Food prep for the festive season<\/h1>\n

Resist the urge to stockpile or over-buy. You don\u2019t want piles of leftovers going off before you can eat them. Make a menu, then create a shopping list based on your menu, then stick to your shopping list. Don\u2019t panic, don\u2019t overthink, don\u2019t deviate. Stick the menu and list on the fridge to remind yourself you\u2019ve made a proper plan. It\u2019s all going to be fine.<\/p>\n

If possible, make most of the food and some of the drinks yourself. Now\u2019s a good time to cook up Christmas cakes and Christmas pudding, and maybe your own mincemeat too. You could also infuse a bottle of not-too-expensive gin, vodka, bourbon or brandy with fruit or spices this week to make a special festive tipple.<\/p>\n

While you\u2019re shopping, don\u2019t buy too many premium brands. Purchasing top price everything won\u2019t give you an upgraded Christmas experience \u2013 because it\u2019s something you can\u2019t actually buy.<\/p>\n

It\u2019s okay to have a treat or two here and there, but most people can\u2019t tell the difference in blind taste tests and some of the cheapest supermarket offerings regularly win medals for their flavour and quality. For example, unless you drink champagne on a very regular basis you probably won\u2019t be able to differentiate between most non-vintage brands, even if we all secretly like to kid ourselves that we can. You might be better off with a cheaper prosecco, cremant, cava or other sparkling wine instead, or forget the fizz altogether.<\/p>\n

If you\u2019re the host, don\u2019t be scared to keep it simple and don\u2019t let your guests dictate what you buy and serve. If you call up and ask people in advance what they want, you\u2019re only going to cause yourself extra work and stress \u2013 entitled folks are never going to be happy with anything you serve anyway, so you might as well please yourself. It\u2019s a tough lesson to learn, but I\u2019ve seen it with my own eyes, as the example below will illustrate.<\/p>\n

By all means cater for allergies etc, but don\u2019t end up in a situation where you\u2019re serving icecream, whipped cream, rum butter, brandy butter and custard with your Christmas pudding just because each one of your relatives is demanding something different. Like it or lump it, Auntie Edna! Bring your own, Great Uncle Bill!<\/p>\n

It\u2019s also fine to put a reasonable amount of portion control into meals. You\u2019re hardly starving people if you give them four slices of turkey instead of five, and the easiest way around that is to plate up the expensive ingredients in the kitchen, then give people free rein over the veggies and potatoes at the table. Works a treat. Don\u2019t feel obliged to buy the giant turkey, or whatever else you usually have.<\/p>\n

Everything else<\/h1>\n

Now is a good time to sort out gifts, if you haven\u2019t started already. Set a budget, then make your gift list (not the other way around, or you\u2019ll end up in trouble). The next couple of weeks or so will see a few sales and price reductions, so you could start monitoring prices.<\/p>\n

If you start to feel as though your gifts are \u2018not enough\u2019, gently remind yourself that giving overpriced presents will not raise your social status, make anyone respect you, or make someone like or love you if they don\u2019t already do so. Also, you\u2019re not The Great Provider for your family or partner if you\u2019re putting yourself into debt, so avoid taking on that potentially toxic role if you can.<\/p>\n

These insecurities drive so much financial self-harm that I hardly know where to start with them, but I\u2019ve had good results from taking a deep breath and thinking \u2018people not things, people not things\u2019 over and over again on occasions when that sort of thing starts to sneak up on me.<\/p>\n

It\u2019s also worth discussing price limits with friends and family, so that nobody is being pressured to go over the top, and nobody gets a nasty surprise when they present a lavish gift only to receive a more modest one in return. If a friend or relative of mine was having serious money trouble, I\u2019d happily tell them not to buy me anything \u2013 letting them off the hook is a gift they\u2019d almost certainly appreciate.<\/p>\n

Be careful around the 3 for the price of 2 offers that start to spring up at this time of year. They aren\u2019t always bargains. However, I have been known to buy a single large good-quality gift set and split it up to make several stocking-filler size token presents for people.<\/p>\n

Are you making any of your own gifts this year? Things like chutneys and traditionally-made soaps need time to mature before they can be used, so it\u2019s best to start gifts like that off now. You can also do a bit of knitting, sewing or jewellery-making in front of the telly before the party season starts\u2026<\/p>\n

You could get started on a few homemade Christmas cards and festive decorations too, if you\u2019re in the mood. For example, traditional decorations such as orange and clove pomanders or salt dough shapes need a bit of time to fully dry out, so it\u2019s best to start them off early. I\u2019m doing up some dried orange and lemon slices this weekend, and will eventually be mixing them into bowls of whole dried spices in December as natural room fragrancers.<\/p>\n

In the past, I would have suggested looking through magazines or trawling Pinterest or Instagram for festive design inspiration, but I\u2019m starting to find a lot of it to be \u2018too perfect\u2019 or super-curated to the point of being over the top, unattainable and essentially unaffordable. If in doubt, pick a simple colour scheme or a general style to easily create some visual impact, and start by looking through things you already own and can easily repurpose.<\/p>\n

So there we have it: personal meaning, people not things, make a list, and don\u2019t worry too much about what you \u2018should\u2019 be doing. October, we\u2019ve got this.<\/p>\n

Are you doing any festive season prep this month? What have you been up to?<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Sorry to mention the C Word, but we\u2019re three pay packets away from Christmas right now. It\u2019s a good time to think about spreading the cost of the festive season, and think of a few ways to do what you want to do for the holidays in December without running up debts. Yes, it\u2019s also…<\/p>\n","protected":false},"author":1,"featured_media":12338,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-12337","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thrifty-living"],"yoast_head":"\nChristmas money-saving in October: preparation is the key – Penny Golightly<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pennygolightly.com\/christmas-money-saving-in-october-preparation-is-the-key\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Christmas money-saving in October: preparation is the key – Penny Golightly\" \/>\n<meta property=\"og:description\" content=\"Sorry to mention the C Word, but we\u2019re three pay packets away from Christmas right now. 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