If you are here, it’s because you want to know how to save money per week, per month or per year and I’m telling you that you have already taken the first step. With the tricks that we are going to show you today you will be able to learn how to save money and reach up to 200 Euros of savings without any problems.

Let’s take a look!

5 Tips on How to Save Money during Christmas

I’m sure you’re wondering how to save money if I earn very little. Today we’ll tell you how to save up to 200 euros at Christmas with ease. Follow the tips below, which are sure to come in handy when you go Christmas shopping and preparing for the holidays.

1- Make a table of priority expenses

To explain how to save money, we recommend that you create a spending chart. To do this, you will need to:

• Divide it into two parts: priority and non-priority expenses. Write down only the expenses that are necessary for your Christmas festivities.
• Do the numbers and see if the expenses are within your means or not. If you see that your expenses exceed your budget, you will have to remove everything that has less priority until you reach the amount that does not represent a financial deficit for your Christmas preparations.

It may seem a simple tactic, but a good savings plan will show you how to save money because you will avoid expenses that are not really necessary.

2- Create a maximum Christmas budget

Christmas comes with a lot of expenses that often prevent us from being able to see how to save money in our day-to-day lives. All the more reason to:

• Prepare a Christmas budget.
• Avoid exceeding it and do not go over the previously set budget.

In order to save up to 200 Euros at Christmas, it would be good to know how to save money in 6 months, combining the Christmas budget with the table of priority expenses. This way you will be able to balance all your expenses and work out how to save money.

3- Go for homemade things

Saving up to 200 Euros at Christmas is a great achievement at a time of year when expenses pile up. All the more reason why handmade and homemade things take on great importance.

If you really want to know how to save money at home and enjoy this time of year to the full:

• You don’t have to buy everything.
• Make the most of handmade and homemade things with your family.
• You save money and value much more the things you do and you get a better family togetherness.

It is true that this is one of the ways that will help you to save up to 200 Euros at Christmas.

4- Buy gifts in advance

Another great way to save money is to do your Christmas shopping before Christmas. Do your shopping on:

• Black Friday: apart from items for any occasion, the Black Friday deals in November provide you with a wide variety of possible gifts and also Christmas decorations, and all this at much lower prices than in December.
• Cyber Monday: The Monday just after Black Friday, called Cyber Monday, offers you another day full of deals and discounts from online retailers. Through their websites you can get another great variety of possibilities to buy gifts and Christmas decorations without spending a lot of money and thus reach your savings.

If you organise yourself and do some of your shopping during these two days, you will be one step closer to saving up to 200 Euros of your Christmas expenses.

5- Apply for financing if necessary

Sometimes the expenses at this time of year are too much and sometimes it is necessary to apply for a personal loan. That is why personal loans can help us to face Christmas expenses and this is more common than we think.

With the help of personal loans we can:

• Save money, if we know how to use it well. For example, there are many physical and online shops.
• Take advantage of instalments for Christmas purchases in instalments and without interest.

If you are short of cash, apply for personal loans. No problem. Apply for the amount you really need and don’t drown yourself in debt.

Don’t get overly worried about finances. This is the only way you can plan well and teach yourself how to save money and enjoy a good Christmas without lacking anything.

Because of the inflation we are currently experiencing, we already know that this Christmas is going to be much more expensive than last year. To avoid being overwhelmed by the issue of how to save money, follow these tips that we have presented and you will see how to save money in one month is possible, even up to 200 Euros this Christmas.