How To Survive Christmas and Summer Financially

Hi, my name’s Rebecca, I’m one of the financial
coaches here at Wealth Enhancers. So today we’re going to do a quick five minute
rundown through some of the tips and tricks to survive December and the summer period. So think of this as message from your conscience
around getting you through the next couple of months in one piece. So if you have any questions or comments,
as always don’t be scared to send us through a message through on of our social channels. So, first step, be prepared. There’s no point being surprised it’s Christmas
in two weeks. It’s on the 25th December every year. We know that it’s coming. So get prepared. Even if you’ve done nothing up til today,
it’s not too late. So, start with writing down a list. Who do you need to get presents for? Write down every person, write down roughly
what you’d like to spend on them, and perhaps one or two items that you might like to get
that person as a gift. Then, try and think if you can group it together
in shops, so you can go to say, just a couple of shops, and tackle it all at once. If you then go into the shops armed with that
plan, you’re far less likely to spend, overspend, or just buy crap that they don’t want or need. Next, don’t be lazy. You’ve written down a budget for every gift,
so don’t just grab the first thing that you see. Be prepared to rifle through the racks. Find something that fits, and don’t just buy
something full price or Oh yeah, it’s got 5% off. Be prepared to hustle and make sure you stick
to that budget. In the spirit of being prepared, the other
area is not that people get themselves into trouble with over December and summer, isn’t
just Christmas and gifts, it’s going out. So, perhaps write down a list of all the events
that you’re looking to attend over the summer period. So, you know, is it dinners and drinks that
you need to go to over the next couple of weeks? Is it the Boxing Day test? Is it the tennis?You know, all of these things. Australia day functions, New Year’s Day, New
Year’s Eve, write them all down and start to have a look and go okay, what have I got
on? What’s important? What am I going to just because, ugh, it’s
Christmas and that’s what you do, or what, what is actually really key. If there’s crap in there, cut it out. Don’t go, or go but don’t really spend too
much. You know, get the train there don’t get an
Uber. Don’t buy twenty drinks hoping you’ll magically
turn it into a great event. So, look at what’s there, look at what’s important,
and work out basically what are you not prepared to chop out. What’s really key and what’s going to make
it an awesome summer? Once you’ve got that, you can start coming
up with a bit of a plan going, how do I basically pay for this? And what can I compromise on? So, for instance you’ve got five dinners between
now and Christmas, that’s fine, but do you really need to buy yourself a new outfit for
Christmas day? Or New Year’s Eve? Maybe that’s the compromise you’re prepared
to make. You know, you want to catch up with your friends,
that’s fantastic, but could you perhaps instead of going out for brunch, go for coffee and
a walk around the Tan as a way to see them and keep things in check. I can guarantee most people are feeling exactly
the same, if you suggest that walking option, they’ll take it. Also burns off a few calories. The last area to cover off is really: do not
write this month off. It’s not like when you open a bag of Doritos
and you feel like the only way to make it stop is to finish them. You have the power of controlling this summer. This summer does not have to be write off
where it’s assumed you’ll spend all of your cash and even go into debt. That is not normal, it is not acceptable,
it’s not like business as usual. So, it’s a choice that you make and don’t
give yourself that excuse of being a big mess. If you can stay in control through December,
you’re putting yourself in the best position to reach your goals in January and basically
you’re starting on those goals today. So you’re starting it off for the new year,
today, two weeks early, giving yourself the best chance of success. Have a fabulous day, this is my last one for
December so I will see you all in the new year, and get ready to smash some goals. Have a great day.

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