Christmas T op T ips
Once a gain, C hristmas w ill b e o n 2 5th D ecember t his y ear. T he C hristmas s eason c an b e s tressful; f amily
get-togethers, C hristmas D ay d inner, p arties, p resents t o p urchase, e ntertaining t he k ids a nd b eing s hort o f m oney.
The m ore o rganised y ou a re t hen t he e asier i t w ill b e. A dvance C redit U nion i s h ere t o h elp y ou g et t he b est f rom
your m oney, s o h ere’s o ur T op T ips t o a H appy C hristmas!
●
Budget – w e k now y ou d on’t w ant t o, b ut m aking a l ist o f t hings y ou w ill n eed f or C hristmas a nd e stimating
how m uch t hey w ill c ost i s a g reat w ay t o h ave a H appy C hristmas. T urn o ver f or o ur
C hristmas B udget
, o r y ou c an d ownload i t a s a
P DF
o r
E xcel s preadsheet
f rom o ur w ebsite
sheet
w .uk
.
●
Cut b ack n ow – n ow i s t he t ime t o c ut b ack o n y our o ther s pending, s o y ou c an s ave t owards C hristmas.
●
Have a c lear o ut – W hy n ot s ell o r g ive a way s tuff y ou n o l onger n eed t o e arn s ome c ash f or C hristmas
Shop a round – s tart y our C hristmas s hopping e arly a nd s hop a round.
●
Ask – d o y ou k now w hat p eople w ant f or t he C hristmas g ifts? J ust a sk!
●
●
Secondhand i s O K – K ids t oys t oo e xpensive? T here a re l oads o f w ays t o g et w hat y ou n eed c heaper o r
even f or f ree:
F reecycle
,
B argainPages
,
L oot
,
G umtree
,
e Bay
. H owever b e w ary o f p urchasing u sed
electrical i tems d ue t o u nknown s afety.
●
Friends a nd f amily – m ake a n a greement t o b uy f or k ids o nly, n ot t he p arents. M uch l ess s tressful
Travel – v isiting f amily a nd f riends o ver C hristmas?
B ook t rain t ickets
o r f lights e arly a s i s u sually c heaper.
●
Santa l etter – H ave y our k ids w ritten t o S anta y et? T he a ddress i s: S anta/Father C hristmas, S anta’s
●
Grotto, R eindeerland, X M4 5 HQ . Y our l etter m ust a rrive b y F riday 8 th D ecember s o S anta h as t ime t o
write b ack ( with s ome h elp f rom
R oyal M ail
)
●
Santa’s B udget – S ome c hildren m ight n eed r eminding t hat p arents h ave t o s end t he m oney t o S anta – s o
they m ust k eep t heir l ist t o o ne o r t wo t hings t hat t hey R EALLY w ant.
Sales – K eep a n e ye o ut f or t he p re-Christmas s ales
●
●
Christmas D ay d oesn’t h ave t o b e 2 5th D ecember – i f y ou’re s truggling t o m eet w ith f amily o r f riends o n
Christmas D ay, t hat’s O K, w hy n ot h old y our ‘ Christmas D ay’ t he w eek b efore
●
Memories a re w orth m ore t han t hings – b ook a n e vent, t heatre, s how, t heme p ark, e tc. a s a f amily g ift
everyone c an e njoy a nd r emember
Cash i s s o 1 990’s – h elp y our k ids l earn h ow t o m anage t heir m oney w ith o ur
S martcash a ccount
c omplete
●
with V isa d ebitcard, s martphone A pp a nd p arental c ontrols. A vailable f or 8 -16 y ear o lds.
●
Give – H owever t ough l ife c an f eel, t here i s a lways s omeone w orse o ff t han y ou. D oes y our C hristmas
budget i nclude a d onation t o a c harity t hat i s i mportant t o y ou?
●
Budget – D id w e m ention t hat a lready? B udgeting i s f or l ife, n ot j ust f or C hristmas! N ow i s t he t ime t o s ort
out y our f amily f inances, u se a b udget p lanner t o h elp k eep o n t op o f y our m oney.
Other w ays A dvance C redit U nion c an h elp
Credit u nion l oan
– m any c redit u nion m embers s pread t he c ost o f t heir C hristmas w ith a l oan f rom A dvance
Credit U nion. I t i s a g ood i dea t o r epay y our l oan w ithin 1 2 m onths; t here m ay b e a nother C hristmas n ext y ear ; -)
Christmas C lub
- w hy n ot j oin m ore t han 2 60 o f o ur m embers w ho s ave r egularly i n o ur
C hristmas C lub
? J ust
£3/week w ill g ive y ou £ 150 t owards n ext C hristmas!
Engage A ccount
o ffers g reat c ashback r ewards a nd d iscounts a t A sda, A rgos, M &S, D ebenhams a nd m any m ore
stores f or y our C hristmas s pending. Y ou c an’t g o o verdrawn, p lus y our E ngage V isa c ard i s a ccepted w herever y ou
see t he V isa l ogo ( see
t erms a nd c onditions)
/advancecu
@advancecu
Advance C redit U nion L td, 2 00 S utton N ew R oad, E rdington, B irmingham, B 23 6 QU
.uk
Advance C redit U nion L td i s A uthorised b y t he P rudential R egulation A uthority a nd r egulated b y t he F inancial C onduct A uthority a nd t he P rudential
Regulation A uthority. R egistered n umber 2 13228.
CTT1017