Investments & Loans

It is easy to blow the budget or get into loads of debt at christmas time..

Choice has 4 top tips for shopping at christmas:

# Don’t Over spend
Sounds patronizingly simple. But it the number one way to make sure you do not end up with a christmas money hangover.

# Shop Smart
“Shop around and for the best deal”. Check this survey, to compare online and instore pricing. Check if you can get a refund on your purchases.

# Consider your payment options
Always pay cash, if you can. Read the fine print if you are buying on credit. Especially, interest free. You can end up paying 27% p.a if you go over the interest free term! Check out this choice article on christmas credit deals. Make sure you know all the credit card tricks if you need to put it on the card.

# Plan ahead
People who have money plan. Simple. Really. If you have a plan, and can stick to it! you will always be better off. You will also take 90% of the stress out of your financial situation. And if you do your research you will be even further in front.

Have a great christmas! Read the full choice article here..

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