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Christmas is OFFICIALLY Here 🎄

It’s December, which means we’re finally allowed to say the C word right?

Not that one you cheeky *****

If Magic radio can commit to 24/7 Christmas songs, then I’m allowed to write a newsletter about it. DEAL 🤝.

Now December is by far the most expensive month of the year.

You’re probably thinking presents, and whilst they probably do take the biggest bite out of your savings, there’s a couple of other sneaky things that compound to making this month leave you wondering why you should bother saving at all.

So on that merry note…

Let’s dive into the things you’re probably forgetting to budget for this Christmas, and how you can sort them out!

🎁 Presents

Yep, arguably the most obvious cost associated with Christmas.

But let me ask you this:

Why are you buying gifts for everyone?

No seriously, why did you buy a £20 scarf for that colleague at work who you’ve had precisely 3 minutes worth of conversation with all year… is it just because she’s getting you one too?

Turns out there is a better way to do it, which goes by the name of…

Secret Santa.

This is a game changer.

Instead of scrambling for 10 different gifts for your entire team, you only need to buy one - with a spending limit to keep things affordable.

Everyone loves it, and your wallet will too.

🍷Social Events

Christmas social events = fun…

and expensive.

Drinks, dinners, and get-togethers can eat away at your budget fast.

Here’s my approach: BE selective.

(translation = learn to say no!)

This year, I’ve been invited to quite a few Christmas events, (not meant to be a brag at all) but I’m only saying yes to the ones that really matter.

The rest? A polite no. (the polite is up to you)

It’s not just about saving money - it’s about keeping the festive season meaningful and stress-free.

📈A different kind of gift this year…

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(NOW THAT IS A GOOD CHRISMTAS PRESENT FROM ME)

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💡Electricity Bills

The ultimate hidden expense of the holidays. Christmas lights, endless cooking, and hosting guests. Oh how it can make your January bill feel extra painful.

Here’s how I keep it under control:

• Add a timer to your Christmas lights so they’re only on during the evenings when you’re home.

• Unplug non-essential appliances while hosting (like that rarely-used kitchen gadget).

• Be mindful of overusing heaters when guests pile in - it’s cozy, but costs add up!

🎅 Wrapping It Up (pun intended)

Christmas doesn’t have to break the bank - it’s all about being smart with your spending.

Use these tips to keep things affordable, so you can enjoy the season without a financial hangover in January… after all, one hangover is enough right 😅

Have a budgeting tip or festive hack? Reply back to this email - I’d love to hear it! 🎄

Whenever you're ready, there are ways I can help you.

1. ​Hit reply to this email: I try to respond to every single question I get from these newsletters, so please don’t be shy!

2. ​The Budgeting Template PRO: Most of you have probably tried the lite version, but the PRO is what I use in my day to day life. (use the code ‘letstalkmoney’ for 30% off)

3. Remember to get your FREE fraction share worth up to £100 worth up to £100 when you sign up to Trading 212 with THIS LINK

^{DISCLAIMER: None of the above is financial advice. This newsletter is strictly education and should not be taken as investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Please be careful and always do your own research.}