How to shop for Christmas
Often it is the thought that counts and promise cards are a thoughtful way to reconnect with friends and colleagues

1. Spend your bonus wisely
Instead of blowing it on the festive season, use it to pay off debt or plan ahead for 2014’s beginning of the year expenses.
2. You can’t buy love
Don’t spend a fortune on your partner because let’s face it; he/she is not with you for the gifts. Agree on a gift budget and stick to it.
3. Buy fewer gifts
Prune your list of family and friends who receive Christmas gifts to those that are close to you.
4. Paper promises
Often it is the thought that counts and promise cards are a thoughtful way to reconnect with friends and colleagues. Promise cards come in all shapes and forms and can be redeemed whenever it suits your friend, such as a dinner invite, movie invite, cocktail, etc.
5. Think consumables
For those that like to be creative on a shoestring budget, artisan markets are the way to go. You can pick up all sorts of knick-knacks and hand-painted goodies that are more personal.



