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Are Christmas Club Savings Accounts A Good Way To Save For Christmas?

You have probably never even heard of a Christmas Club Savings Account.  They are an account that helps you save for Christmas by allowing you to make direct deposits of your savings during the year but you can’t access the account without penalty until Christmas time, generally from the 1st of November.  Christmas Club  Savings Accounts were really popular in the 1970s and 1980s and are now becoming harder to find.  The big banks no longer offer them but you can still find them with some of the smaller banks and credit unions.   So are Christmas Club Savings Accounts worth it?

Well, the biggest pro for a Christmas Club Savings Account is that they allow you to start a regular savings habit for Christmas, while restricting your access during the year.  Generally speaking most accounts allow you to access your money for free from the 1st of November until the 31st […]

By |November 20th, 2014|Christmas|13 Comments

How I Raised An Extra $910 To Pay For Christmas!

Freaky!  How fast has this year flown!!  I cannot believe it is already the first week of November and it is only 7 weeks until Christmas!!!  Yowsers!!!  So given the time pressure lately I have been putting a lot of thought into how to raise some extra cash to help pay for our Christmas.  Not that our Christmas is particularly elaborate, usually it is a pretty simple roast chicken lunch at my house for my mum, sister, hubby, daughter and myself.  We try to keep Christmas simple and low key.  No pressure.

However, this year Miss Money is hankering after a Barbie Dream House and with $270 being the best price I can find on the internet, it is a big chunk of the Christmas budget.  Given I have fond memories of my 1970s/early 80s Barbie Townhouse I would really like to get it for her.  Also on the Christmas shopping […]

By |November 6th, 2014|Christmas|22 Comments

5 Ways To Save For Christmas

I know what you are thinking!  Hasn’t Christmas been and gone?  Yes, but I have decided that if the stores can start stocking Easter eggs and hot cross buns in January!  I can talk about saving for Christmas 2014.  Besides, the best time to start saving for it is now!

So, to get ready for Christmas 2014, the first thing you need to do is to set your goal.  You need to know how much money you would like to have saved by a set date in 2014 when you would like to hit the shops.

Next you need a plan.  As the saying goes, “a goal without a plan is just a wish”, so break your goal down into a weekly, fornightly or monthly savings amount.  So if your savings goal is $300 for Christmas by the 3rd of December 2014.  This calculates to 48 weeks from the 1st of January […]

By |January 21st, 2014|Christmas|3 Comments

Hamper King: Are They Value For Money?

Ok I will admit it!  I am a little bit obsessed!  But after being horrified that Chrisco charges 28% more than Woolworths for the same hamper of goods (click here to see the post) I wondered whether Hamper King would be better value.  So I decided to do the numbers on Hamper King and find out.

I chose the ‘Traditional Feast’ Hamper with Hamper King (click here to see what it includes), which was the closest comparable I could find to the hamper I used for Chrisco.  The ‘Traditional Feast’ hamper is valued by Hamper King at $348 or $7.57 per week.  The methodology I used was exactly the same too.  I found out from the Hamper King website what was included in the hamper then simply went on to the Woolworths internet shopping […]

By |December 15th, 2013|Christmas|15 Comments

Road Safety This Christmas Will Also Save Your Wallet

This post is brought to you by Prime Lawyers.

Last week I popped out to my letterbox to see what the postman had brought.  No bills; fabulous, a few pieces of junk mail; ok, but then I saw an ominous looking envelope.  You know the sort, official looking but you can’t tell who has sent it.  I started to get nervous.  Could it be the dreaded Tax Department?  No, we already had a pay up notice from them and it wasn’t even due yet.  The Department of Social Security or Human Services or whatever they call themselves nowadays?  Nope.  It didn’t look good.  So with great hesitation I opened it.

It was a speeding fine!  Agggggghhhhhhhhhh!!!!!  I didn’t realise the main road next to my new job was a 50 km/h zone and I had been caught by a speed camera doing 64 km/h!!   The […]

By |November 28th, 2013|Christmas|19 Comments

Chrisco Hampers: Are They Good Value?

To be honest, I have always wondered whether it is worth purchasing a Chrisco hamper.  Every year around Christmas time when the glossy Chrisco TV adverts appear, I wonder whether it would work for me and my family.  You see, there are many parts of the Chrisco concept that really appeal to me.  The simplicity of choosing your hamper at the start of the year, then making automated payments weekly/fornightly or monthly and then ‘ta da’ a bunch of branded food products arrive at your door just in time for Christmas.  It does sound like it takes some of the hassle out of Christmas.  Yet, I have never done it.  So this year, I decided to do the math and figure out whether the value really stacks up.  This is how I went about it and what I found out.

I went on to the Chrisco site and I chose the […]

By |November 21st, 2013|Christmas|65 Comments

Christmas Craft – Hand Wreath – Guest Post From Mums Take Five

Christmas is a great time to “get your craft on” and save some cash by making gifts instead of heading to the shops.  Given I am not at all talented in the area of craft, I asked the brilliant Bel from Mums Take Five to guest post with one of her fabulous craft ideas for Christmas.  This one is one is super easy and looks amazing.  I can’t wait to get “my craft on”  with Miss Money and make one myself!  Over to you Bel!

Written by Bel from Mums Take Five

This is an easy craft for kids to build and looks so cute when its done. Our Grandma loves hers!

You’ll need:

  • A paper plate
  • Green paper for the hands (we used 12 hands in this one so six sheets with two hands per sheet)
  • Glue
  • Coloured paper squares and pompoms or similar for the centre
  • Piece of […]
By |November 20th, 2013|Christmas|14 Comments

10 Ways To Save On Your Children’s Christmas Presents

Can you believe it?  Christmas time is creeping up!  I was stunned when on a trip to my local Woolies, my daughter picked up pink tinsel and put it in the trolley.  Really?  Christmas stuff already?   After a bit of debate, mainly consisting of me saying the words “put it back”, she insisted it was on my shopping list.  I told her that despite wearing glasses, I was sure I could see the list clearly and that I was sure that pink tinsel was not on the list.  Oats, yes, milk, yes, eggs, yes and even bread but pink tinsel, no it was definitely not there.  Welcome to Christmas!

This unexpected run-in with Christmas made me realise it really isn’t that far away, so I had better get organised.  A Peppa Pig play house is the main request in our household.  They are not particularly cheap so here are some ideas […]

By |October 23rd, 2013|Christmas|33 Comments