With less than a month until Christmas Day, I thought I would share an excerpt from my book – “Money Tips from the Budget Bitch”

12 .  Don’t leave your Christmas shopping till the last minute.

There are so many of us that do this… and then we find that because we’re out of time, we dash about in a frenzy and actually spend more than we intended. Sometimes we even buy things that are totally unsuitable, either as gifts or refreshments.

How many times have you finished the festive season with almost half the foodstuffs that you started with? Sure, it means you may not have to shop for a week or two but are mince pies, nuts and pretzels really something you want to eat everyday?

A little pre-Christmas planning and thought will go a long way in making sure your budget parameters are met.

Do make lists well before December.

Buy gifts to suit the tastes of a particular person rather than buying a gift to suit a monetary figure.

You can also find more great tips and hints by clicking this link

©   Carmel McCartin – Budget Bitch

And don’t forget – (The views expressed in this blog are the personal opinions of the author. Don’t rely on them to make financial decisions; you have to make up your own mind. If you don’t like the content – then either stop reading or send me an email)