Let's talk about Christmas's 

I know it's a long way off but never to early to start getting organised . I mean it's all about the little thing's how many pounds you can save between when you start and 25th of December. How many people do you have to buy/ make gifts for. 

Here are some good Christmas rules to help:

Only use how much you can afford not use your 'If-I-were-rich-I-would-budget-this. This is just how much you can afford and if you can't afford much that is fine.

Christmas isn't about not being to go into financial downfall so someone can have a pair of socks that will go into the trash before the end of the year. 

Christmas is about showing love and appreciation 

both of which can done without a lot of money. 

Make sure your budget is reasonable in relation to how much money you have as your income. This can be done by making sure the total fits withing you full budget and if you do have any left. spoil yourself. spend it enjoy it!