Start your Christmas shopping now and spread the cost

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Starting your Christmas shopping earlier could be better financially because you will be spreading the cost.

Here’s a scary thought: it’s less than a month before the December holidays and then Christmas will be upon us. Unplanned, last-minute shopping usually ends in financial disaster, but, with a bit of planning, this festive season will be a cinch.

Every year retailers bring out the Christmas decorations earlier so we have Father Christmas jostling for space with Halloween pumpkins. But this also provides an opportunity to start buying Christmas goodies and gifts ahead of time, allowing us to spread the cost over a few months so our gifts are actually paid for by the time we give them.


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