One Pay Day Left Before Christmas

Can you believe it?
It's 1st November, which means you've probably received your monthly salary payment for October and so you have one more payment due before Christmas arrives.
Have you made your plans on how you will use your cash wisely?
What about making your own Christmas Cake and Christmas puddings this year? This is a great way to connect with your family too.
Why not make your own cards? The recipients will, no doubt, be stunned and your card will certainly stand out from the crowd. You could even do what one of my clients did - she got her kids and their friends to make up lots of little cards, while she made them an evening meal. So it didn't even eat into her own time!
Think about getting lots of little gifts rather than larger gifts. Often we appreciate the small things and provides more of a mystery to the recipient.
Write down your Christmas gift list and stick to it.
Start your shopping now, otherwise if you leave it to the last minute, you'll end up spending more money - guaranteed!
Look after your body this Christmas - rather than overindulging and breaking the bank in the process, buy a small number of additional "treats" rather than filling the cupboards full.
Throw a party and ask guests to bring a bottle and some food! A party is really about the connections you make with the important people in your life, not how much food and alcohol you can provide.
Refer to my previous Christmas Tips posting for more good ideas.
And remember... enjoy the process.