LifestylePersonal Finance

Cash Ideas and Loans for Christmas

It’s now the Holiday season and Christmas is rapidly approaching. If you haven’t already budgeted for your holiday spending for things like presents, travel, food among other things.

There are simple things you can do to find extra cash to help get you through the Christmas season. The holiday season can become quite expensive and any help in the finance department should be welcomed.

The ideal situation is to not have to take out a loan or rack up your credit cards to get through the festive season. Although sometimes that can’t be helped and people do what they feel is necessary to have a great holiday period.

Here are some tips and ideas for funding the Christmas period.

Take on part-time work
In the lead up to Christmas there are generally thousands of different part-time jobs available. With this, you can even be a bit strategic – like taking on a job at a toy company or retailer as you will not only get paid but also have the opportunity to get an employee discount on purchases within the store!

One man’s trash is another man’s treasure
Get rid of the current clutter and get ready for the new stuff coming in. Jump on ebay or other online selling platforms and sell your unwanted or unneeded items. This is a great way to earn cash and clean out the house. And for the items that you don’t think will sell or not provide enough of a return for your efforts…donate!

Get crafty with it
Sometimes the most cherished item received is something that someone has taken the time to think about and make. Not crafty or sure how to make things? Don’t threat, jump on Youtube and find a how to video 🙂

If you’re going to borrow
It’s all about interest rates and terms. Ideally you want the lowest possible rates and fees possible, shop around and make sure you’re getting the best deal. Don’t fall for advertising gimmicks that might market Christmas loans as there may be general loans that have better product offerings.

In addition, if you are going to use a credit card or apply for a new one, get one with a low balance transfer in addition to rate and fees.

The holiday season is a great time; family, friends and lots of cheer. It also however can be a time where people either fall into debt or deeper into the debt they already have. Take the time to be responsible with your spending and plan or better yet budget earlier in the year to make the holiday finances more manageable.

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  1. November 30, 2012 at 11:12 pm — Reply

    great tips! another we use in our family to keep costs down is everyone chip in for that 1 gift for each person to bring costs down and manage expectations on gifts.

  2. Sally
    January 17, 2013 at 1:36 pm — Reply

    Cash loans are pretty useful during emergency situations. However, we have to make sure that we pay the loan on time to avoid paying higher interest rates.

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