Wow it’s nearly Christmas, just two weeks to go

It’s time for me to decorate the Tree. Plan the food and any last-minute spending.

I love this season because I get to spend my money rather than count the pennies for a few days. I can do this because I have saved during the year and will again next year. Which means I don’t have to borrow any money.

closeup photo of lantern lamp
Photo by Aaron Burden on Unsplash

This blog is my last until Next Year when I start saving up for Christmas from literally January 1st 2021. I will also be including a Christmas Countdown for forty-eight weeks in my blog.

My plan is to:

Set a budget for next Christmas

Divide the amount by forty-eight, which will give me four weeks before Christmas next year to work out how much I have saved and what I can buy. Have I reached my budget?

I will include any store rewards I think I may earn during the year and finally

I will set my savings amount.

Please feel free to join me on my savings journey.

Wishing you a lovely Christmas and a Very Happy New Year.

Sometimes we all need someone to talk to

Sometimes we all need someone to talk about our finances and help us reach our goals.

Work with me to help you have a better relationship with your money and help you reach your financial goals.

Book a FREE 30-minute discovery chat with me from my webpage.

All photos are for illustrative purposes only

Where to go if you need financial advice: Step Change  Citizens Advice Bureau, Money Advice Service, Christians Against Poverty, National Debt LineShelter, Turn2us,

Disclaimer, Patricia Buckland, 459 Micklefield Road, High Wycombe, BUCKS HP13 7HZ

Presenting as Debt Talk Ltd

The information and education (the “material”) provided by Debt Talk Ltd (the “author” is from sources believed to be reliable, but the author makes no representation or warranty expressed or implied as to the accuracy or completeness of the material. The material is provided for assistance of the readers of my blogs, attendees of the workshops and meetings, but is not to be relied upon as authoritative or taken in substitution for the exercise of the attendees’ own skill and judgement. The author accepts no liability whatsoever for any direct, indirect or consequential loss arising from any use of the material or information, data third party information provided by the author.

The material provided by the author does not constitute advice for the purposes of any individual case and it cannot be a substitute for specific advice based on the circumstances of an individual case. The author wishes to make it clear that the readers of my blog, attendees of the workshops and group meetings must take specific advice tailored to their own specific circumstances and whilst the author has used reasonable skill in order to provide relevant information to the attendees relating to their eligibility for personal government entitlements, the author’s role is only to educate and therefore the author will accept no liability whatsoever for the direct, indirect or consequential loss or damage arising from any reliance placed upon their material for any purpose.