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Spread The Christmas Financial Cheer

Mar 13, 2008
Christmas is the festive season and a time for family, friends, happiness and joy. Despites this, just the word 'Christmas' can bring on a feeling of pure and utter dread for some. Christmas time has a nasty habit of placing intense strain on your wellbeing and finances. Many people feel a constant pressure to provide the latest and greatest gadgets for their loved ones. Stress levels rise and for some, situations may begin to appear as though they are sliding out of control.

But there is hope. There are certain tricks that you can implement to help avoid the stresses and strains of the Christmas period. By putting a small, manageable amount away each week you can help curb overspending. Another benefit of this is that it often allows you to save for Christmas gifts that may have been unaffordable if they where purchased at the last minute.

Pre Christmas sales can breed pure madness in shoppers. Brawls over the last few copies of the latest DVD, CD or toy can be a common occurrence. These incidents alone can make you very hesitant to hit the shops and embark on this stressful event!

Christmas is the busiest time of the year and it really is true that 'the early bird gets the worm'. We are constantly bombarded with advertising messages during the Christmas rush telling us to 'be quick, this item will not last'. By avoiding the Christmas rush and making purchases early, you're saving yourself time, money and stress. Your also making sure that you don't miss out on certain items. Sales occur often throughout the year so take advantage of them. This can help ensure that you get the best deals for your Christmas gifts.

Try buying long lasting foods and beverages in the months before Christmas to really ease the Christmas stress and save your wallet. Tinned food, sweets, packaged items and frozen meats can all be stored for long time periods. By buying a few sweets, nibbles, alcoholic or non-alcoholic beverages each week you will save yourself having to buy the lot in one go. You will be pleasantly surprised by how quickly items stock up if you buy one or two things per week.

If like many shoppers, you do leave your Christmas shopping until the last minute, you may find that a payday loan comes in very handy. Payday loans, otherwise known as cash advances, can help you out when your wallet is a little thinner than you'd like. They are usually available for any amount between $100 and $1000 and repayable over a short period of time. The repayments are broken down into manageable amounts with low fixed interest rates. Some companies can even provide you with a payday loan in your bank account within an hour. To obtain a payday loan most companies require that you meet certain requirements, such as being permanently employed for at least three months and earning at least $400 net per week.

By combining these tips, you'll save your wallet and be able to relax during the festive season.
About the Author
Greg Ellis co-founded Cash Doctors, Australia's largest online
payday lender. New clients have cash within 60 minutes
and members are paid in seconds. The founders understand
their clients needs intimately, having needed fast, convenient
credit in years gone by.
Cashdoctors.com.au
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