Christmas Planner Template With Survival Guide (Page 2 of 2) in pdf

• When looking for a loan, try to get the best value

Cutting the cloth

you can. Generally, loans available from a money

When we struggle all year round, with little cash to spare,

lender will cost you much more than a loan from

we often feel we need to take a break at Christmas – we

your Credit Union or bank. Using a credit card

want our children and our loved ones to have the best.

is also a very expensive way of borrowing money.

But that doesn’t always mean spending a fortune –

particularly a fortune you don’t have. Be open with your

• Remember to read the terms and conditions of

family – even Santa has been hit by the recession! Talk

any credit application, make sure you understand

to your friends and extended family – do you need to

what you are getting into. Get advice before

exchange gifts at all? Or would you rather spend time

you sign.

together? Almost no-one has been left untouched by this

recession – everyone has less money this year than last

• Contact MABS before borrowing to see what

year; be the one to bring up the subject in your circle –

options are available to you.

suggest that this year, is the year to bring back more

basic values. Take the time to be with those you love –

• Before you borrow, look again at your list – is it

and those you love will not want you to worry, and to

worth it? Are you sure this is what you and your

struggle for six months to pay for the gifts they didn’t

family need?

need.

Happy Christmas from MABS

Christmas Planner

Priority

Amount to Spend -

First Estimate

Second Estimate

Third Estimate

Gifts

Clothes

Socialising

Food

Total Planned

0761 07 2000

Too Much? Yes/No

Disclaimer

Every effort is made to ensure that the information in this

publication is accurate. However, no responsibility is accepted

by MABS National Development Limited, its funders or the

0761 07 2000

MABS for any errors, omissions or misleading statements on

these pages. The information is of a condensed and general

nature only and can change from time to time. Readers should,

therefore, verify any information on which they rely by contacting

the MABS Helpline 0761 07 2000.

The Money Advice and Budgeting Service has helpful

information, budget sheets and sample letters available online

at Advice and information is also available by

calling the MABS Helpline 0761 07 2000 (Monday – Friday

9.00 am to 8.00 pm.) and from over 60 ofﬁces nationwide.

Christmas Planner Template With Survival Guide Page 2

Related Articles

Related forms

Related Categories