wtaylor82
07-12-2007, 23:27
Hi People,
No i'm not selling anything. Just want to give some advice to people, so they don't fall into the mess I did a few xmas's ago.
Here is some tips to enjoy xmas, saving your pennies and counting the savings for a long time to come.
1. Don't take a loan out to cover the cost of xmas. I've done it and certainly regretted it afterwards.
A loan of £5,000 spread out over 5 years at an APR of 6.9% will mean you are paying a total of £926 interest, on top of the 5k. Use the PMT function in excel if you want to work out more indepth scenario's
2. Ebay is your friend. Search ebay for gifts and presents for friends and loved ones, try to find items from the same seller to minimise delivery costs, making the use of the USA customers and the $2 to £1
3. Use hotukdeals.com there is lots of posts of offers on there, updated all the time, including miss prices, coupons, discount codes etc.
4. Don't go overboard at xmas. Buy one or two nice gifts rather than several, wrap them neatly and add the element of suprise e.g. get a big box for a small present to get the loved one excited.
5. Buy what you need for xmas food shopping, shops are open and more flexible these days, I used to work in a supermarket and I tell you people go into crisis mode.
6. Buy sensibly - go shopping for the veg etc at a greengrocers, buy the meet from a butchers and all the treats etc from a supermarket. You will get much more for your money and better quality.
7. Enjoy xmas and remember what its all about
No i'm not selling anything. Just want to give some advice to people, so they don't fall into the mess I did a few xmas's ago.
Here is some tips to enjoy xmas, saving your pennies and counting the savings for a long time to come.
1. Don't take a loan out to cover the cost of xmas. I've done it and certainly regretted it afterwards.
A loan of £5,000 spread out over 5 years at an APR of 6.9% will mean you are paying a total of £926 interest, on top of the 5k. Use the PMT function in excel if you want to work out more indepth scenario's
2. Ebay is your friend. Search ebay for gifts and presents for friends and loved ones, try to find items from the same seller to minimise delivery costs, making the use of the USA customers and the $2 to £1
3. Use hotukdeals.com there is lots of posts of offers on there, updated all the time, including miss prices, coupons, discount codes etc.
4. Don't go overboard at xmas. Buy one or two nice gifts rather than several, wrap them neatly and add the element of suprise e.g. get a big box for a small present to get the loved one excited.
5. Buy what you need for xmas food shopping, shops are open and more flexible these days, I used to work in a supermarket and I tell you people go into crisis mode.
6. Buy sensibly - go shopping for the veg etc at a greengrocers, buy the meet from a butchers and all the treats etc from a supermarket. You will get much more for your money and better quality.
7. Enjoy xmas and remember what its all about