Tip 3 in our countdown to a stress-free Christmas is here: stick to a Christmas budget to avoid a debt hangover in the New Year.

All through November and December, we will be offering up advice, tips and hints every day on how to enjoy a stress-free Christmas!

You can catch up on all 19 tips for your stress-free Christmas on our website.

Stress free Christmas tip 3 – stick to a Christmas budget

It is all too easy to get caught up in the Christmas advertising campaigns that encourage us to ditch the Christmas budget.

Buy your way to a happy Christmas they imply. Spending more means a better Christmas for you and your loved ones.

Of course, that is completely untrue. Worse still it can often lead to a Christmas debt hangover and relationship problems in the New Year.

Set a Christmas budget with your partner/family in advance of Christmas for gifts and entertaining. Then stick to it like the beard on a shopping centre Santa.

Christmas budget

Knowing you are not running up a huge credit card debt for January is a big step towards a stress-free Christmas.

Read this guide to avoiding Christmas debt from our friends at Scotcash.

Catch up on all of our 19 tips here or follow on Twitter and Facebook.

Christmas, Couples And Individuals, Families, Relationships, Stress Free Christmas, Tips