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Have a Joly Festive Season (without leaving a huge debt)


Internationally-acclaimed speaker and author T. Harv Eker, offers simple top tips on how to limit January financial blues by managing your Yuletide finances…


AS THE HIGH STREET Christmas lights start to twinkle in expectation of Santa and radio playlists are fi lled with Slade, George Michael and other seasonal favourites, here are some surefi re ways to control your pre-Christmas spend and lessen New Year fi nancial stress:-


❆ Look at your own relationship with money, ie your fi nancial blueprint – do you always over-buy at this time of year?


❆ Create simple spreadsheets with your monthly outgoings – what is essential or superfl uous?


❆ Write a list of whom you need to buy presents for – and limit spend per person


❆ Compare retail prices with online stores – and check hidden costs like P&P and delivery


❆ Look at your Credit Card statement – at least try and switch to a zero per cent offer if one is on offer from your lender


❆ If you are making Christmas lunch, don’t just overbuy food for the sake of buying, particularly perishables – your guests will thank you later


❆ Look at ways of reducing your outgoings in the short-term – think of ‘The Starbucks’ Experiment’ (resisting one Cappuccino costing, let’s say £3.00 a day, for a few months and into the New Year) – you could ask for a coffee fl ask as a Christmas gift and make your own to take to work


❆ Check out online offers from wowcher, Groupon and Living Social etc – there are some great offers for days out and pamper packages – perfect for group or family gifts


❆ If you have a creative streak why not home-bake , sew, paint a picture or make a collage of family photographs – hand-made presents are appreciated as you have taken time and trouble out of your day


❆ Pound Shops and similar often have some great children’s gifts for Santa Sacks Hopefully by now you will be fi ring up your computer or scribbling in your notebook. The above tips can also be adapted to other times of the year, equating to sound fi nancial management. To fi nd out more about your fi nancial blueprint and how this controls many aspects of your life, sign up to one of T. Harv Eker’s Millionaire Mind Intensive three-day trainings. b www.millionairemindglobal.com


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"Extinct" Tibetan Mountain Finch Flies


Again A particular species of Tibetan bird had not been observed alive for 80 years before being rediscovered this June. Sillem's Mountain Finch was last spotted in 1929. In June this year, French nature


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