The Countdown Is On

100 ways to save for the holidays in just 100 days!

Find 100 ways to save at the holidaysSchool’s back in. The days are getting shorter, and the leaves are starting to turn.  It can only mean one thing … the winter holidays are right around the corner.

In fact, there are only 100 days until Christmas – which means you need to start budgeting for your holiday spending today!

The winter holiday season is the busiest shopping season of the year. According to a study from Field Agent Canada, the average Canadian is expected to spend $875 on gifts, decorations and food this Christmas.

If you don’t start budgeting now, you could wind up making on those purchases on plastic – and that could lead to a financial hangover that lasts throughout the New Year.

Thankfully, not all will be Bah Humbug and Ebenezer Scrooge.  Consolidated Credit is here to be your Ghost of Christmas Future and help you save for the next 100 days.

Our 3rd annual “100 Days, 100 Ways to Save for the Holidays” campaign is here to guide you along the way.  Our slow and steady approach to your holiday spending woes can help you save money and avoid slipping into debt.

Follow us on Twitter @ConsolidatedCA to see our daily money saving Tweet – and feel free to chime in with your own holiday saving tips, using the hashtag #100Days100Ways.  Throughout the campaign we will be giving away gift cards for the best Tweets, which means you can pay with plastic but not spend a cent.

To get you started on the path to a debt free holiday season, here are a few of our money savings tips:

Set your holiday budget today.  In truth, budgeting should be a year-round process, but taking the time to make a spending plan will help stretch your holiday dollar and keep you out of the red.

Don’t be afraid to start shopping. End of summer sales are an ideal time to find great deals on last years ‘must-have’ items.  Stores are clearing out stock to make room for the holiday rush, which can translate into bargains for your budget.

Set spending limits. Speak to your family and agree on spending limits for this year’s gifts.  Don’t lose sight of the true spirit of the season.  It’s not what is in the package, but the thought behind it.

Get crafty. If you have an artistic or crafty side, start making gifts early.  Give yourself time to spend on your homemade projects and avoid the last-minute stress of the holiday season.

Eliminate a simple pleasure. Whether it is your weekly lotto ticket or the daily cup of Joe, consider giving up a small indulgence to free up extra cash for the holidays.  Eliminating a medium coffee for 100 days means you will have an extra $170 in your pocket for Christmas.

While you still may be enjoying the last few days of sunshine and warmth, taking advantage of the next 100 days can lead you into 2016 debt-free!

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