Trans4mind Home Page
~ Making the Human Heart Visible ~

Looking for a better life?

Our online, interactive video workshops present the most effective methods of holistic personal development, combined with personal support from expert life coaches.

Explore Article Library


Saving Money Over The Christmas Period

By Joseph Kenny

Christmas is one of the busiest times of year. There are so many things to think of. People have usually got family or friends visiting, the Christmas meal to cook, gifts to buy and wrap and decorations to put up. It can also be a very expensive time of year. Many people report huge regrets every January when they have over spent on Christmas presents and all the related costs.

If you are worried about finances this Christmas, or want to cut down a little on expenses there are a few simple money saving tips you can take.

Secret Santa

First of all there are gifts. Depending on the size of your family you may spend a lot of money on gifts over the Christmas period. One of the things you might consider doing is arranging a secret Santa. These are a great way to cut down on gift costs and can also be a lot of fun. How it works is you get a group of friends or family members together and put everyone's name in a hat. Then you each pick a name from the hat at random. This is the person you buy a present for. The game guarantees that everyone gets a present while at the same time meaning that you only have to buy one present. You can keep the gifts anonymous or not depending on your preference.

Another thing you can look at doing this Christmas if you want to save some money is consider making gifts. You can bake cookies or cakes, or make gifts using some craft you are good at or enjoy such as knitting, cross-stitching or patch working. You can also make your own Christmas cards. This can be fun and many people will appreciate the personal touch.

Debt Consolidation

Christmas shouldn't be all about saving money, but it shouldn't be about falling into debt either. It is generous to give but no one expects you to give more than you can afford. If you are having trouble with debts then you shouldn't be over spending this Christmas. There are many things you can do to get debts back under control. One option would be debt consolidation. This means taking out a loan to pay off all your existing debts. The interest rates will be far lower than those on other debts such as credit cards and the savings will give you the chance you need to get your finances back under control.

About The Author

Joseph Kenny is the webmaster of the UK credit card comparison site http://www.creditcards121.com/, where you can find a selection of interest free credit cards. For US visitors there is also the comparison site http://www.credit-cards-info.com/ for all US interest free offers.

Addictions
Astrology
Careers & Employment
Communication
Creativity
Dating
Depression
Diabetes
Diets
Divorce
Education
Environment
Ethics
Exercise
Family
Goal-Setting
Grief & Loss
Happiness
Health
Kids & Teens
Leadership
Love
Marriage
Meditation
Nutrition
Organizing
Parenting
Psychology
Public Speaking
Relationships
Schools
Self Help
Self Improvement & Motivation
Sexual Relations
Spirituality
Stress Management
Travel and Leisure
Women
Writing


From our extensive site, you'll find good info on many topics using this search:

Support your personal development with these popular and effective hypnosis downloads...

  • Public Speaking Fear ~ Banish speaking anxiety and nerves with hypnosis.
  • Motivate Yourself to Exercise ~ Build a powerful exercise habit that you can't break.
  • Get Rid of Fear & Anxiety ~ Stop worry and apprehension wrecking your life.
  • Self Esteem ~ Break the negative trance of low self esteem and give yourself a chance in life.
  • Create Your Own Reality ~ Use the power of your unconscious mind to transform your life.
  • Deeper Self Respect ~ Use hypnosis to connect with your true inner worth.
  • Detach From Fear ~ Tune out nervousness and anxiety with hypnosis.
  • Improving Concentration and Focus ~ Learn how to discipline, direct and command your mind to improve your performance.
  • Exercise Motivation ~ Give you powerful keys to getting back on track with your exercise - and staying there.
  • Overcoming Shyness ~ Provides an invisible security blanket allowing you to develop social ease and overcome shyness.
  • Quick Confidence Booster ~ An audio hypnosis session that's specifically designed to get you (quickly!) back on track.
  • Stop Negative Thoughts ~ Learn powerful hypnotic techniques to stop negative thoughts before they start.
  • Overcoming Procrastination ~ Let hypnosis help you get on with what you need to do, when you need to do it. Let nothing hold you back.
  • Think Thin ~ Use hypnosis to re-train your brain and lose weight naturally... that's how to get and stay slim.
  • Fall Asleep Fast ~ Relearn how to fall asleep fast and enjoy a good night's sleep.
  • The Next Level ~ Designed to radically boost your performance in any field. It's based on a technique used by top athletes and other successful people to help them make a big stride forward.
This is our selection of favorites, but there's a session for every need! Choose from over 800 Hypnosis Downloads...
Search now on an issue that interests or concerns you...
 
Get a free Hypnosis Download at Facebook
Copyright © 1997-2016 Trans4mind Ltd