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  • FIRST POST
    Mr-Kilner
    This Xmas wont be the same!!
    • #1
    • 28th Sep 09, 8:50 PM
    This Xmas wont be the same!! 28th Sep 09 at 8:50 PM
    Evening all,

    I was hoping to be in a decent financial position this xmas time, we was hit with the farepak scandal a few year ago and last year was my daughters first xmas so we me and my partner made sure her and her sis was looked after Xmas present wise and just got each other a little something!

    This year I wanted to make a big splash, but we have just been hit with a solicitors bill for 400 which has made a big dent in the would be Xmas funds......

    Not be beat or down about this I am now on a mission like many of you seem to be. I want to make 10 a day or even 1k in 87days (87 days to Xmas - ARGHH)

    I intend to beg, borrow, sell, steal (legally) to make sure this Xmas goes with a bang! so any hints, tips, tricks are all welcome.

    Thanks all! W

    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by Former MSE Wendy; 29-09-2009 at 6:50 PM.
Page 1
    • simongregson
    • By simongregson 28th Sep 09, 9:25 PM
    • 816 Posts
    • 459 Thanks
    simongregson
    • #2
    • 28th Sep 09, 9:25 PM
    • #2
    • 28th Sep 09, 9:25 PM
    Just remember having lots of stuff doesn't make a good christmas, it can be fun to limit what you buy each other as it forces you to be more imaginative with presents!

    I don't know about your daughter, but our son much prefers the boxes to the presents and his favorite toy is a coke bottle with dried beans in it!!

    You could use your nectar/clubcard/boots points to get presents/food etc. It all helps reduce the cost.
    • Tixy
    • By Tixy 28th Sep 09, 10:04 PM
    • 31,062 Posts
    • 39,469 Thanks
    Tixy
    • #3
    • 28th Sep 09, 10:04 PM
    • #3
    • 28th Sep 09, 10:04 PM
    I'd agree with the above - if your daughter is less than 2 this christmas then she really won't have much understanding of the event and will be just as happy with a couple of cheap presents as 20 expensive ones. Our children are not naturally materialistic this is unfortunaltey something we teach them.

    Also because children do not have a concept of money you don't need to feel you have to spend the same amount on each child. If one gets a £50 bike and the other a £5 teddy bear (if thats what is appropriate to their ages) then they will probably both be just as happy.

    Good luck

    You could try signing up for some survey /review sites to earn vouchers that you could then buy books or presents with for christmas.
    A smile enriches those who receive without making poorer those who give

    or "It costs nowt to be nice"
  • Mr-Kilner
    • #4
    • 28th Sep 09, 10:17 PM
    • #4
    • 28th Sep 09, 10:17 PM
    Thanks all, we did this last year, I used quidco and greasypalm quite a bit, but neglected them until tonight, I have been clicking mad for the last hour or so...

    I fully understand what you are saying about going mad at Xmas, apologies if it came across like I wanted to spend spend spend for the sake of it....its more like not feeling like I couldn't go that extra inch due to funds...
    • Tixy
    • By Tixy 28th Sep 09, 10:21 PM
    • 31,062 Posts
    • 39,469 Thanks
    Tixy
    • #5
    • 28th Sep 09, 10:21 PM
    • #5
    • 28th Sep 09, 10:21 PM
    Yeah I understand, wasn't trying to stand on the DFW soapbox btw - I think most of us are the same really, we want to treat the people we love.

    Good luck with the clicks!
    A smile enriches those who receive without making poorer those who give

    or "It costs nowt to be nice"
    • Horace
    • By Horace 28th Sep 09, 10:41 PM
    • 14,111 Posts
    • 24,783 Thanks
    Horace
    • #6
    • 28th Sep 09, 10:41 PM
    • #6
    • 28th Sep 09, 10:41 PM
    Join the make 10 a day challenge..there is lots of tips on there on how to up your income..they will be starting one for October soon (although it may have already started as they tend to overlap with September). There is one thread specific to the 10 challenge in October though.
    Semper in faeces profundum variat

    Make 5 a day challenge Oct 2014 126.00/155
    Make 5 a day challenge Nov 2014 157.40/150
    Make 10 a day challenge Dec 2014 392.90/310
  • **Upsy Daisy**
    • #7
    • 28th Sep 09, 10:42 PM
    • #7
    • 28th Sep 09, 10:42 PM
    Christmas will be better if you are sitting there on Christmas morning knowing your spending over the previous few weeks is under control and accounted for.
    The worst christmasses are the ones where you sit back on Christmas night and think now it's all over, how the heck am I going to pay for it?

    This boxing day, start saving for next christmas with your penny jar

    Your'e thinking now (with 87 days to go) how you're going to pay for christmas, most people don't ask themselves that question until christmas night - or when the January credit card bills come in. You're already ahead of the game - Well done

    UD
    Total debt at 01/01/2010 34,262 (Excludes mega mortgage) Daily interest 12.42
    02/10 Now 3.12 due to repayments, BT and
    Olympic challenge 5081/28,000 (18.15%)
    Aim to lose 35 lbs from 01/01/2010 to 30/06/10 9.5/35
    1 debt in 100 days 2886/3839
  • LilacPixie
    • #8
    • 29th Sep 09, 12:33 AM
    • #8
    • 29th Sep 09, 12:33 AM
    get over to the grabbit board. its always good for a bargain and making the best use of the funds you do have. I have a 14 month old and she would be happy with a box and something to hit it with .
    MF aim 10th December 2020
    MFW 2012 no86 OP 0/2000
  • Brussel Sprout
    • #9
    • 29th Sep 09, 7:06 AM
    • #9
    • 29th Sep 09, 7:06 AM
    I've already created my 'Christmas Spreadsheet'!! I did it last year, I write down everyone I buy for, how much Im budgeting for them and then when I see something I put it on my list. I have a limit that Im willing to spend total, so I can keep track and re-jig things if I need to.

    Last week I popped into Boots, they have 3 for 2 on there gift sets, so I think I can get six presents in there, the people that I buy for won't know that I got them all marginally cheaper

    I can also sew and bake so this year Im making my step daughter some cushion covers and a new duvet set, and Im going to make Christmas Cookies and Muffins, make some homemade gift boxes and when I need something a little 'extra' thats what people will be getting!!

    I'm also the queen of shop around! Last year I did my whole Christmas including cards and wrap for 260.00
    Debt Free Target: December 2011
    I did it in November 2011!!
  • willstewart
    Just do what I do and not bother at all. All Xmas is is a period leading up to about 20 mins of results from loads of effort and the celebration of commercialisation.
    You end up spending 100s or 1000s for the sake of opening a few gifts, half of which are useless or go back 2 days later and you end have to queue for 2-3 hours to do the simplest thing as everyone else decides to do exactly the same thing; hours cooking a dinner than lasts minutes and you can't manage to eat anyway; relatives you couldn't care less about the other 364 or so days of the year; traditional tv that usually has more Easter shows on and somehow ends up worse than exactly the same things that are on every other day of the year (but with Xmas put in front of them).....etc

    All Xmas is these days is a load of brainwashed people panic buying everything under the sun because the media and shops tell them they have to and at the end of the day it causes so many financial problems for yielding so little.
  • Brussel Sprout
    Just do what I do and not bother at all. All Xmas is is a period leading up to about 20 mins of results from loads of effort and the celebration of commercialisation.
    You end up spending 100s or 1000s for the sake of opening a few gifts, half of which are useless or go back 2 days later and you end have to queue for 2-3 hours to do the simplest thing as everyone else decides to do exactly the same thing; hours cooking a dinner than lasts minutes and you can't manage to eat anyway; relatives you couldn't care less about the other 364 or so days of the year; traditional tv that usually has more Easter shows on and somehow ends up worse than exactly the same things that are on every other day of the year (but with Xmas put in front of them).....etc

    All Xmas is these days is a load of brainwashed people panic buying everything under the sun because the media and shops tell them they have to and at the end of the day it causes so many financial problems for yielding so little.
    Originally posted by willstewart
    Or its the one day of the year we can all feel 'normal' as we watch our families open the gifts we've bought them, that we've worked hard and saved hard to do. It's the one day that you get to spend with the people you CHOOSE too, with no interruptions. You have a lovely dinner, you have a meal that you wouldn't have any any other time of the year - and you get to go to bed content that night as you know you made the people you love happy, for one day, and you won't be paying for it for the next year.

    Each to their own and all that, and you probably think I live in a fantasy world, but I appreciate Christmas so much more now that I have to save and shop around, it 'makes' something of my christmas. I don't shop much anymore so this is my little pocket of shopping for the year. And I dont feel guilty as it's not frivolous
    Debt Free Target: December 2011
    I did it in November 2011!!
    • skint-student-nurse
    • By skint-student-nurse 29th Sep 09, 7:53 AM
    • 1,298 Posts
    • 2,497 Thanks
    skint-student-nurse
    boots are still trying to clear stock from last christmas,hope that helps in some way http://www.boots.com/en/Offers/Clearance/
  • Toni Broke
    Hi
    This is my first Christmas in years that I wont using the whole of November pay and the credit card. Thanks to this site i have actually saved for it since January and now have a healthy little pot. Have to say it feels very good.
    Good luck
    Tonixx
    • jellyhead
    • By jellyhead 29th Sep 09, 1:41 PM
    • 20,889 Posts
    • 24,217 Thanks
    jellyhead
    I've had a studio catalogue through the door today with lots of reduced stuff. Postage is free if you spend 20 if you use the code. You might want to have a look around the sale toys.

    I wish I had a daughter to buy this for - a dolls house with figures for 34!
    http://homeshopping.24studio.co.uk/iteminfo.asp?s0=toys-games&b=Xmas_Box_09&p=6&o=1&s=6&r=http://homeshopping.24studio.co.uk/searchresult/2

    My youngest will be excited about pyjamas with his name on.
    52% tight
  • pir
    A couple of points.

    You don't need to go mad especially with a child under two (I have friends who bought their 1 year old clothes, and practical presents as part of Christmas as they needed them anyway and the child didn't know as long as it got some toys). It's about the day as a whole not the presents. If you have an older child and relatives coming round invest in some good family games (DVD games, card games, quiz) or give them as part of presents as they are something everyone can enjoy.

    Wrap everything up. You can get huge rolls of cheap wrapping paper so you can wrap everything up, even the 50p stocking filler stuff. The fun is unwrapping the stuff so wrap everything even the cheap stuff and the presents in the stocking.

    Look at hawkins baazar as they have lots of stocking filler stuff, that starts at a reasonable price. It's the silly cheap presents that generally end up being the most fun.

    It's not worth getting into debt.
  • scattymam1
    come on over to the special ocassions board as we have a few christmas threads on there with loads of motivation and ideas...we have a challenge thread where we are making christmas money neutral by doing surveys, selling on ebay, etc;

    Is there an ikea near you, as they have that take five books in and get a five voucher...that could buy someone a gift or just cover your wrapping paper costs!!!

    If you can find a car boot or jumble sale still on at this time of year they do sell a lot of brand new unwanted stuff nowadays.
  • scattymam1
    For example last year I got a friend of ours a nice shot glass game set that had a eight pound price tag, had never been used or opened, and as it was the end of the day they were practically giving stuff away and gave me it for 50p...bargain.
    • jellyhead
    • By jellyhead 30th Sep 09, 11:24 AM
    • 20,889 Posts
    • 24,217 Thanks
    jellyhead
    The 2 ann sumemrs chocolates (there's a thread in 'grabbit') might be okay for your gift to your other half? free postage ends today.

    http://www.annsummers.com/webapp/wcs/stores/servlet/productdisplay_et!letc~ev!10252||et!letc~ev!10254| |_40151_-1_10252_62601_10001_?tduid=9aba12bdde0dbb9c9d9a34a 842a521c7
    52% tight
    • esmerelda98
    • By esmerelda98 30th Sep 09, 11:30 AM
    • 408 Posts
    • 929 Thanks
    esmerelda98
    Or its the one day of the year we can all feel 'normal' as we watch our families open the gifts we've bought them, that we've worked hard and saved hard to do. It's the one day that you get to spend with the people you CHOOSE too, with no interruptions. You have a lovely dinner, you have a meal that you wouldn't have any any other time of the year - and you get to go to bed content that night as you know you made the people you love happy, for one day, and you won't be paying for it for the next year.
    Originally posted by Brussel Sprout
    Most people have multiple opportunities to spend time with family and friends throughout the course of the year. We should do more of that instead of putting so much emphasis on spending lots of money at Christmas. Even for those with family on the other side of the world - make more of an effort to call, e-mail etc. I think it would be more thoughtful to give people small gifts at random during the year.

    The British way of celebrating Christmas really irks me, as much of the spending is excessive and many who are struggling financially feel compelled to keep up with others. As a child I received a Christmas outfit and mostly that was it, apart from a generous meal. Occasionally, me and my siblings got a joint Christmas present, like a computer. We knew how blessed we were. We had a good life, and there was a lot of poverty around, so I suppose we were more grateful for what we had. The encroachment of materialism is so insidious. I think it can be difficult to see that you have fallen victim to it.
    • jellyhead
    • By jellyhead 30th Sep 09, 11:42 AM
    • 20,889 Posts
    • 24,217 Thanks
    jellyhead
    We were poor when I was young. My dad was an apprentice on a lower income that he'd have got on the dole at the time. I still remember the excitement of christmas. Little things like counting christmas trees as we went for a walk. I'd have liked more, or newer, gifts I must admit, but children nowadays get so much compared to back then. In the 70s lots of kids I knew would get a doll or teddy from the charity shop, or a bag of lego that had been passed on by someone else in the street.

    OP this site is great for boosting your income or reducing your outgoings but christmas can still 'go with a bang' quite cheaply. You have a family of 4 like me yet you mention possibly 1k for spending which is far more than I can afford, and I still think our christmases are great
    52% tight
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