Sometimes You Just Have to Face Facts: You Just Need More Cash!

Sometimes You Just Have to Face Facts: You Just Need More Cash!
By Anne O'Dwyer

The fact is another year is coming to a close, the festive season will soon be upon us with all the trimmings and fun of Christmas: the tinsel, the lights, the excited children and general making merry.

But are there undertones of fear, which will spoil the festive season? The expenses you will be paying back on your card most of the next twelve months...

You did promise yourself this wouldn't happen again, but where are the planned savings?

Did they get blown on a great holiday or just not materialise at all? Where does your money go? On paper there should be money at the end of the month, but there seldom is.

Next Year it will be different! You say this every year but - until you change,nothing else will change, "if you keep doing what you're doing you will keep getting what you have got"! So now is the time to prepare a plan!

First you will reduce the cost of "Christmas", you will warn everyone not to expect expensive gadgets this year. Anyway they still have stuff from last Christmas that wasn't appreciated anyway. This year every gift will be something you really choose carefully. There will be quality in the choice, not quantity. Christmas has become too commercial anyway!

This year you will have Christmas dinner at home with family and friends, you won't book a restaurant meal. Grocery shopping can be managed carefully in a budget store. You have seen the advertisements on TV of the sumptuous things on offer. You don't need that hand reared turkey you had planned or the six-foot Christmas tree, a smaller one will be fine. There are plenty of ornaments for the tree in the loft you don't need more even if they are in tempting piles in the stores.

That pretty dress / (smart shirt) from last year will be perfect for parties.

Now for the New Year Resolutions, perhaps you should start to plan them now... You really need to find a way to supplement your income. What could you fit into your spare-time? What could you do to earn some extra cash?

Time to consider a hobby business, that will grow over the year and make for a better Christmas next year. It might even boost the holiday fund for a lovely sunny holiday.

So now is the time to consider what you would love to do. It needs to be something you will enjoy if you are to invest your spare-time / evenings working it. Something at home, because of the children, and you really don't want to turn out on cold winter evenings to work in a bar or stock shelves...

Is there something you could do with your old laptop?

Yes there is -

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