Christmas can be an expensive time. Here are some money saving tips that can help you plan so you can prioritise paying your rent and essential bills.

  • Look at your regular outgoing payments to decide how much you can afford to spend for Christmas. Your outgoing payments will show rent and essential bills to be paid first.
  • Shop early rather than later. This helps you plan to buy the right thing rather than leaving everything to the last minute and stops impulse buying.
  • Leave your debit or credit card at home when you go shopping – it's easy to spend more than you planned when paying with plastic.
  • Expensive gifts are not always the best, so set limits on presents.
  • To avoid buying everyone a gift in the family, you could decide on a Secret Santa to buy for one person only at a limited cost. This way everyone gets a gift of the same value and saves your cash.
  • Finally, enjoy the festive period by making sure you have paid your priority bills first (such as rent and utility bills) – this will give you peace of mind to relax over the Christmas season.

You can find more helpful tips here

We can help you get the right advice to budget, help with getting back in to work or applying for benefits. So, if you're struggling financially, please talk to us so we can help.

It's better to tell us than risk losing your home. Speak to your Customer Relations Manager – click here for their details.