Creating a budget plan that suits you is key to paying off Christmas expenses.
When you budget plan, you need to allocate part of your income to certain things. For example: a) essential expenses e.g. rent/mortgage; b) non-essential expenses e.g. activities/hobbies; and c) savings and debt e.g. saving for Christmas 2020.
How you allocate will decide how quickly you deal with any Christmas over-spending.
To help our members budget plan, we have developed this free budgeting tool on our website: www.serveandprotectcu.co.uk/borrow/budget-planner