1. Have a pre-Christmas clean up

Spend a few hours clearing out anything you no longer need around the house, like clothes, books, jewellery, furniture, music, or sporting equipment. You could sell these items online, hold a garage sale, or find a local buy-swap-sell. You might just end up making someone else’s Christmas extra special.
2. Make a list and check it twice
Make lists of the things you need to buy and the food you need to prepare for the festive season. Having lists will help you plan your spending and keep you on track.
3. Be cluey about Christmas credit
If you don’t have the cash to pay for your Christmas goodies up-front, you might be tempted to use your credit card, or use a buy now pay later service. Although these are convenient ways to get the things you need now, that convenience can cost you dearly if you find yourself still saddled with Christmas debt well into 2020.
4. Be a scrooge online
Before you start shopping online, do a web search for discount or coupon codes that you can use at the checkout.
If you know what items you are looking for, search for them online instead of just going to one retailer’s website. You might find it much cheaper somewhere else.
5. Shop like you’re Santa
👉Set a time limit on your shopping – get in, get it done and get out so you aren’t tempted to spend more than you want to.
👉Shop at odd hours – shop when it’s less crowded so you can choose carefully.
👉Buy less expensive stuff first – buy small first, and then tackle the big stuff so you stick to your gift budget
👉Limit your shopping locations – only go to shops that you need to visit so you don’t get distracted and impulse buy.
6. Give to those less fortunate
Spread the Christmas cheer by giving to those who are doing it tough via charitable works and donations.
Source: ASIC’s money smart

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