Clitheroe 422324 (Editorial), 422323 (Advertising), Burnley 422331 (Classified)


22 Clitheroe Advertiser & Times, Thursday, November 9th, 2006 Thursday, November 9th, 2006


www.clitheroetoday.co.uk Clitheroe 422324 (Editorial), 422323 (Advertising), Burnley 422331 (Classified) H T C l 1 T T 'WT


www.clitheroetoday.co.uk I *


Clitheroe Advertiser & Times, Thursday, November 9th, 2006 23


The 12 rules of Christmas saving I * ^ nsive ways to enterta ” - splash out but stay sensible...


O Continued from


previous page 7. Make your


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WITH partying, presents, extra food shop­ ping and, of course, that special Christmas outfit, it is not surprising that the average cost of the festive season is £700. As a help­ ing hand, Cheshire Building Society offers some simple saving tips so you can splash out on treats but still enjoy the true mean­ ing of Christmas! 1. Be realistic - As you approach Christ­


mas, work out roughly how much you can afford to spend and therefore what you need to budget for. Work out how many friends and family members you have to buy for and see if you can buy joint pres­ ents to cut costs. Likewise, if you work in a large office, suggest doing a 'Secret Santa', which is fun and also saves money. 2. Dig out your piggy bank - It is never


too early to start saving. If you start put­ ting a few pennies aside each week before December, you may be surprised how much mounts up and how the extra cash will help you. 3. Don't forget your debts - If you need


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a little bit of cash over Christmas, why not look at ways can save money on your exist­ ing debts. Transferring your credit card balance to a 0% interest credit card will help. 4. Look for bargains ^ There are many


special offers in the run-up to Christmas so you should keep an eye out and make the most of them. For example, when buying wrapping paper or board games look out for buy-one-get-one-free offers. 5. Watch those Christmas lists - Chil­


dren love to make long Christmas lists and, although it would be great to be able to buy ever3dhing on the list, it is not always possible. Set out a realistic budget for each child and stick to it. Also, spend some time considering which present is more suitable and which one you would rather spend your money on. 6. Give a more meaningful gift - Why


not give a savings account as a Christmas gift? This will help your children to learn to save money for themselves and also gives them a place to deposit any Christ­ mas money they receive. Also, many chil­ dren's savinjgs accounts come with a free gift!


• Continued on next page


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own cards - Christ­ mas cards can get quite pricey so why not try and make your own? If you have children, this is something that they can join in with, giving you time to wrap pres­ ents. Charities also make good-quality cards that are often s lightly cheaper and in aid of a good cause. Also, you could hand-deliver rather than post - this will save cash and also give you a chance to pop in to old friends and catch up. 8. Choose your


tree wisely - Spend time shopping around for your Christmas tree, as they can differ in price. They can often be found cheaper at Christ­ mas markets than in usual supermar­ kets or garden cen­ tres. 9. Entertain for


free - There are so many expensive trips and days out to experience over Christmas, but doing these along with eating out can really add up. Instead, look for inexpensive ways to entertain your family. Try carol singing, building a snowman on a win­ try walk or attend­ ing your local Christmas ligh t switch-on. Or why not take part in a charity activity as a family - many charities have spe­ cific Christmas needs and could really use the extra help. 10. Enjoy your


decorations - Buy­ ing different deco­ rations year after year which then end up in the bin can become very costly. Inves t in quality decorations


and make sure they are packed away carefully each year, so they can be re­ used. Baubles with worn-away glitter and shrivelled tin­ sel can look tired.


I He asked me for my hand in marriage in the...


but if th ey are stored correctly they will look fresh and as good as new! 11. Set up a sav­


ings account - Pay any saved money you do not spend


on presents into a high-interest sav­ ings account or ISA, which should encourage long­ term saving for next Christmas. 12. Procrastina­


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Thursday 9th November^ French fit Scottish Market and Indoor Market


Friday 10th November French & Scottish Market, Street Market and Indoor Market


Saturday 11th November French & Scottish Market and Indoor Market


tion sometimes pays off - If you are someone that likes to wait until las t minute, you can benefit from some last-minute deals on decora­


1


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9th November - 11th November


French Market


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