Things really start to ramp up in late October, so make sure that your Christmas preparations are underway:
- Buy presents and cards
- Present making
- Start preparing your Christmas budget, at this time of year there are a lot of bills due. Don’t forget to cater for the following expenses:
- Cards and wrapping
- Presents
- Food and drink
- Postage
- Electricity bill
- Gas bill
- Water rates
- Council Rates
- Mortgage/rent payments
- Car registration
- Insurances
- Membership renewals
