Christmas spending is different for everyone and everyone has their own budget. However, the holidays are always an expensive time.Β  Some find it a stressful time, but this doesn’t have to be the case when you know how to budget resourcefully.Β  Make a list of what you need to buy and divide it into presents, food, and socializing - decide what’s essential and cut back where you can.Β  Don’t hit the stores without a clear budget in mind - plan ahead so you don’t overspend.Β  Agreeing on price limits with family and friends is one of the most effective saving hacks.Β  Delivery costs can add up. If you are considering using the same platform more than once, look into delivery passes.Β  If you have loyalty cards for your favorite stores already, consider using them in December to help with your Christmas spending.Β  Be honest. If you’re struggling financially, you're not the only one. If you can’t afford a lavish Christmas, be honest with those around you.

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