Around this time of year I start thinking about cutting down on our spends in preparation for Christmas. I know it is still 6 months away but I feel once the school Summer holidays start, Christmas creeps up very fast and I like to be prepared and sure that we have enough money to enjoy Christmas. There is also a time every year when we seem to have lots of unexpected expenses that like to crop up at once. So now is the time for us to try and keep our spending to a minimum, here are some tips to keeping the costs down.
