It’s a special time of year! As we count down the days to Christmas, decorate the tree and prepare for our family events, many of us are also preparing for the beginning of the school holidays, wrapping up business or end of year meetings and planning catch-ups to reconnect with friends and loved ones. It’s a chance to reflect on the year that was, what was achieved and what needs to be achieved or simply work on a new task or idea. This could involve looking at a new budget and how to prepare. A budget helps you understand how much money you have, how much you’re spending and how much money you need to cover your expenses. There are several ways to track you spending: You can jot down expenses in a notebook OR; Use an online tool such as MoneySmart’s budget planner . If you need assistance preparing a budget, you can speak to a financial counsellor in your state or territory by contacting the National Debt helpline 1800 007 007. Or for information and support you can call 13 11 20. Another great resource is our Cancer and your finances booklet. You can download the booklet here or if you’d prefer a physical copy, simply call 13 11 20.
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Christmas always seem to arrive so quickly and this year is no exception.
Many of us will reconnect with family & friends. A time when we need to rein in our spending and to look at our budget to survive the festive season.
Here are a few helpful tips so you can enjoy the Christmas cheer and merriment.
Personalise your gift
Often it’s not the price of a gift that matters but the sentiment and thought behind the gift giving. A special gift that was made by hand like Christmas decorations or a gift card where you can offer your time like walking the dog or babysitting, can mean so much more than a store bought gift.
Often lunch or dinners are arranged during this time to reunite with family and friends. So why not ask each individual or family to bring their best meal/recipe of the season to celebrate at the gathering, this will help everyone with additional expenses .
Don’t over spend
Make a budget and stick to It! Keep the credit card locked away and use your debt card as this is your own money. When January comes around there will be no nasty credit card statements to pay off.
Good luck and Merry Christmas to you all!
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Cancer Council NSW would like to acknowledge the traditional custodians of the land on which we live and work.We would also like to pay respect to elders past and present and extend that respect to all other Aboriginal people.