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How To Reduce Spending on Christmas
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your gift to them for Christmas. Spending time with your neices and . STEP 9: Use old cards and photos to create your own Christmas .
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HOW TO REDUCE SPENDING THIS CHRISTMAS If you are unsure about where to begin reducing your spending this Christmas the Consumer Affairs Commission (CAC), recommends that you start right where you are today. Do not budget for a bonus or any extra cash from Western Union or some other windfall. Start with your basic income minus your monthly expenses. Then follow these CAC tips: • STEP 1: Decide how much money the family can afford to spend. Write the figure down. Do not increase it regardless of how much tips, bonus, cash gifts you receive. Stick it on the refrigerator for the whole family to see. •• STEP 2: Have each member of the family write their Christmas list to a maximum of three persons. Decide who gets a card, a cake or a visit from the family. Give gifts from your family to the other family instead of individual gifts.
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