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12 days of Christmas finance tips

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12 days of Christmas Finance Tips

  • On the 1st day of Christmas, I set out my financial goals for the New Year.
  • On the 2nd day of Christmas, I figured out how much I need to save each week to reach my goals.
  • On the 3rd day of Christmas, I installed a budgeting app on my phone.
  • On the 4th day of Christmas, I worked out my weekly income and expenses.
  • On the 5th day of Christmas, I worked out which expenses I could cut to reach my goals.
  • On the 6th day of Christmas, I changed my utility and insurance suppliers to get better rates.
  • On the 7th day of Christmas, I refinanced my mortgage at a better rate.
  • On the 8th day of Christmas, I cancelled my Netflix subscription.
  • On the 9th day of Christmas, I found a way to make some extra income on the side by turning my favourite hobby into a business.
  • On the 10th day of Christmas, I sold all the crap in my house that I don’t use on Facebook Marketplace, Gumtree and eBay.
  • On the 11th day of Christmas, I told my friends and family that next year, we’ll all make something for each other rather than buying expensive gifts.
  • On the 12th day of Christmas, I bought myself something nice.
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