Your personal budget for Christmas Guest

Financial Expert Paul Roelofse speaks to Ray about how living in debt robs you of your future. Avoid it. Paul advises individuals to set aside money for Christmas. Save some money, then spend the remainder. Set aside some of your final year's pay. Put some of your bonus towards debt repayment. Try buying gifts online; it's less expensive and less impulsive. Set a budget and load your credit card with it. You can save money on transaction costs by doing this. If you pay in advance for something, like store accounts, golf fees, or school fees, you are likely to get discounts. Enjoy your vacation after everyone returns. Rates during off-season are always less. Get your necessities in large quantities with loved ones to save money. See omnystudio.com/listener for privacy information.