Christmas is coming and with the celebrations of this festive season comes a great deal of expense. The season of good will is nearly upon us and from a financial perspective and London escorts know it can be an extremely expensive time. If we’re not careful, the outgoings can add up and leave us with very little, if not anything left over. In 32 days time family and friends will be opening their presents and gleaming with joy at the gifts you have given them. However, don’t feel burdened by the costs - assess your monetary situation so you don’t leave yourself short. Stay clear of the festive fear! You don’t want to take the fun out of Christmas by putting yourself in debt and be paying it off well into 2012. Consider all your costs, there is so much to pay out for. There’s gifts, decorations, luxury festive food and cards to buy, plus new clothes for the party season and travel expenses to see all your friends and family. The list is endless. It’s time to think rationally.

So, what can you do to limit the amount of financial damage done to your bank account? We are all too tempted to over spend and be a bit too generous at this time of year so remember this: Write a list of who you need to buy for and ideas for what you are going to buy them. Keeping a little notebook may seem a tad silly, but it is all about organisation. Knowing who you need to buy for and exactly how much you wish to spend limits the chance of overspending. Stick to your budget. As mentioned before in the previous Managing Your Money section, Budget Don't Blow Out. This means, stick to the budget and the limit you have, not the one you wish you had. The time spent on thinking what you can get for your money is much better than overspending on just anything. Christmas escorts agree that your thoughtful present will be appreciated much more than something that you have haphazardly thrown a lot of money at.

Stay clear of the plastic. It may seem like a good idea and you might consider it your friend at this time of year but it can be dangerous. Think of it like this, credit cards are a merely a way of spending your own money whilst having to pay someone a fee to do so. Avoid hitting the plastic and reach for your pocket instead. Spend the money that you have budgeted for and avoid thinking “Oh, I’ll pay that back when I next get paid!” it isn’t as simple as that. Oxford Street escorts know that London shopping can be daunting. Stepping foot into a shop or browsing online with consumer confidence will stop you from becoming all too tempted and distracted from your list. Harping on about the need to be organised and keep a list may be becoming a little tedious, but it is the key.

For future Christmas shopping experience, it may be wise to think about planning ahead. Advance shopping helps cut down the bulk expense in late November, December and then excess payments still being made in January. Shop in the January sales for some bargains that can be put away for Christmas 2012, nothing like being prepared. Why not start saving from August onwards. Putting a little bit away each month for a Christmas kitty can help spread the costs. This will hopefully leave you with a little bit extra to spend on a present for yourself or for a date with an escort in London. You don’t need to be a Scrooge to stop yourself from overspending. If you’re making a list and checking it twice, then you are bound to stick to your budget. A sparkling spree it can be, just follow the simple rules to ensure a financially happy new year. Stop your Christmas from becoming a Noel-nightmare and be sensible with your spending.