Trim your Christmas gift list. Try the fun of Kris Kringle gift giving – everyone gets one gift and the game of giving is part of it.

Pay off any Christmas debts first.

Start a budget & stick to it.

Start the new year debt free.

Start your planning for all special occasions and stick to lists and limits.

Aim to pay all transactions by cash or debit card.

Take advantage of award programs and discounts throughout the year.

Set up direct debits for accounts & bills.

Set up all necessary savings accounts before the new year starts.

Put any excess income or tax returns amounts which aren’t being used into your savings account or mortgage redraw account.

Source: Money Magazine Best of the Best 2006 – the tips are timeless though.

 

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