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Christmas is a great time of year filled with fun, food and family. For many of us, it also means time away from work during which many stores push their tempting sales.

Read our top tips this seasons for enjoying this time of year:

1. ‘Tis the Seasons of Gifts

Having a clear idea of who you’re buying for and how much you’re willing to spend can provide clarity on just how much you may need to outlay.  Having a clearer picture of your budget and not stepping outside it won’t see you overspend.

2. Christmas Clean

Use the holiday period to ‘spring clean’.  A little bit of time spent clearing out things that are no longer needed around the house such as clothing, furniture, jewellery, and books could generate a little bit of extra cash when posted for sale online.

3. Supermarket Competition

Check competitor grocery stores for better deals.  Making a list of what groceries you require for Christmas can assist you in taking advantage of the competitive grocery market by checking out specials ahead of time.

4. Keep Track of Spending

The New Year will be here before we know it, with all its new expenses.  Make the time to track your expenditure from the start.  Hold onto your receipts and keep a running total of your transactions.  Write them on a piece of paper, use your smart phone, whatever works for you.

5. Sales

Take advantage of sales but don’t spend on what you weren’t going to buy in the first place.  Keep an eye on social media advertisements and look out for Boxing Day sales but try not to be tempted into unnecessary spending, remembering your financial goals.

6. Charity

Help those less fortunate have a better Christmas.  Donate clothes, household items, food or even your time to charity.  It doesn’t cost a thing!

There is no time like the present to get on top of your finances. Get in touch with us here to book in a complimentary consultation with an RJS Strategic Wealth Planner.

Book an appointment! Email:info@rjswm.com.au

This blog has been prepared by RJS Wealth Management Pty. Ltd. ABN 24 156 207 126. RJS Wealth Management Pty. Ltd. is a Corporate Authorised Representative (No. 438158) of Modoras Pty. Ltd. ABN 86 068 034 908 an Australian Financial Services and Credit Licensee (Number 233209). The information and opinions contained in this blog is general information only and is not intended to represent specific personal advice (Accounting, taxation, financial, insurance or credit). No individual’s personal circumstances have been taken into consideration for the preparation of this material. Any individual making a decision to buy, sell or hold any particular financial product should make their own assessment taking into account their own particular circumstances. The information and opinions herein do not constitute any recommendation to purchase, sell or hold any particular financial product. Modoras Pty Ltd recommends that no financial product or financial service be acquired or disposed of or financial strategy adopted without you first obtaining professional personal financial advice suitable and appropriate to your own personal needs, objectives, goals and circumstances. Information, forecasts and opinions contained in this blog can change without notice. Modoras Pty. Ltd. does not guarantee the accuracy of the information at any particular time. Although care has been exercised in compiling the information contained within, Modoras Pty. Ltd. does not warrant that the articles within are free from errors, inaccuracies or omissions. To the extent permissible by law, neither Modoras Pty. Ltd. nor its employees, representatives or agents (including associated and affiliated companies) accept liability for loss or damages incurred as a result of a person acting in reliance of this publication.