Bad Credit Guide to Christmas on a Budget

Oct. 19, 2010 - PRLog -- Bad Credit Guide to Christmas on a Budget

Are you someone who wishes it could be Christmas every day?

Many people would class it as their worst nightmare, but there are a few families throughout the UK who begin planning for the following year’s festive period even before they’ve finished their Christmas Day leftovers!

For many bad credit families, having a large celebration each year is becoming one financial step too far, with many expected to reign in the budget this coming Christmas.
Its easy to lose sight of what Christmas is all about – fun, family and festivities – and get caught up buying too many presents, too much food and way too many Christmas decorations.

It can be an especially difficult time for those with a young family and financial pressure can build up, unless you can release it by accessing a bad credit Christmas loan http://www.bad-credit-loans-4-you.co.uk/bad-credit-christmas-loans.html

Whatever your financial situation this Christmas, we don’t believe it should be a reason to get yourself into a bad credit position for the rest of the year.

We’ve created a bad credit guide to Christmas containing tips to help you overcome some of this year’s problems.

Shrewd shopping
Reaching November and realising you have to purchase all of this years Christmas presents but with no extra cash than your usual monthly salary, can come as a huge shock.
Keep your eye out all year round to help spread the cost instead of leaving it all until the last pay cheque before Christmas Day.

It makes financial sense, will leave you less stressed and you can even pick up some sale bargains along the way.

Make sure that you tick people off the list as you go, otherwise you could end up with lots of presents for one person and none for another.

You may find it a hassle or depressing to be shopping again so soon after New Year, but the January sales are the ideal place to begin getting people gifts for next Christmas.

Many high street and online stores will have a huge selection of presents for everyone with offers of half price discounts and more so you can get real value for money.

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Get out your Blue Peter Badge
You don't need to be particularly good at art to create some colourful Christmas cards, but they’ll be unique and will save you a few pounds.

It also adds a real personal touch and will be much more appreciated than a card bought from the shops.

Really cheap wrapping paper may not look that good on the outside, but turn it inside out and they all have a white backing, great for children to draw pictures on.

This gives each present a distinctive appearance and will keep the kids amused for an hour or two as well.

Family photos are always great gifts to give relatives.

You can jazz them up by adding a poem either written by yourself or found on the internet into the picture frame alongside the photo for a more personal Christmas gift.

Making gift vouchers for your family with promises of your time can be a great present.
If you know something special they like such as a favourite meal or a back massage, then you can give them vouchers as a promise to do it on their request.

Prepare for Christmas Day
Shops are crammed with items which are designed to tempt shoppers when they are out purchasing their Christmas food and drink.

It’s easy to spend much more than you have planned if you are not careful, so its best to write a list before you go.

Check the list off against things which you have in the house already before you go to avoid buying two of an item ‘just in case’.

Don’t be afraid to purchase a shop’s own brand food, especially if it’s for frozen veg or snacks like nuts and crisps.

Once it is out of the packet and in a bowl or on a plate, no-one will know the difference and it can save you a huge amount on your Christmas food shopping budget.

Make as much food yourself as you can, it’s normally always cheaper than buying it from the supermarket.

Even if it’s only the stuffing, potatoes and Yorkshire pudding you make, it will still save you money on your Christmas dinner menu.

Searching online can help you find free and really easy Christmas recipes, so try bbc.co.uk/food to start your search for some great Christmas food ideas.

A helping hand goes a long way

You may feel awkward going to someone else’s house for Christmas dinner without contributing in terms of money or gifts, but if you have bad credit problems then they will understand.

Instead, offer to help with preparing the food or clearing up after the Christmas dinner.

The host will appreciate nothing more than sitting down to relax and putting their feet up whilst you clear everything away.

Family time
Christmas now seems to focus solely on the presents you buy and the food you eat, but it’s still meant to be a time to spend with the family.

If you explain to your family that you are experiencing bad credit problems and can't afford much this year, but that you're really looking forward to spending time with them, it will make all the difference.

Try and make the time more interesting by turning off the TV and playing games.

Most places will be really quite, so taking a walk in the park or down by a beach will be a great way to give this Christmas a different twist, just remember to wrap up warm!

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For help, phone 0800 011 4503 or visit
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Notes for Editor:

http://www.bad-credit-loans-4-you.co.uk/bad-credit-xmas-loan.html

Loans 4 You of London Ltd
Innovation Centre
Monks Brook
PO30 5WB
United Kingdom
Tel: 0800 011 4503

Bad Credit Loans 4 You was formed in April 2010, bringing together a team of specialists that together offers over 50 years of expertise to help applicants gain the unsecured loans they need.

From its UK head office in Monks Brook, Loans 4 You operates across Britain, sourcing loans for people with bad credit.

Bad Credit Loans 4 You holds a Consumer Credit Licence issued by the Office of Fair Trading. The company is also covered by the Financial Ombudsman.

Bad Credit Loans 4 You is also registered with the Information Commissioner’s Office for Data Protection.

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Loans 4 You helps people source the personal loan they need. Loans 4 You can help people with bad credit history, poor credit history and obviously good credit history, our senior management have over 50 years collective experience in the finance field.