I know we don’t, we just wing it until near Christmas! Thankfully this year we managed to work hard to get a bit of spare cash and then bought all the kids Birthday & Christmas presents in one go! Yes, I have 2 children both with birthdays within a month before Christmas – seriously bad timing I know.
Although I still need to buy a few bits for family and friends but usually that is mostly handmade items, although I still need to buy supplies for those makes!
Every year the latest toys seem to get more and more expensive and I’m starting to worry if I’ll get to a point when the kids are older that we can’t afford to buy them what they want. Not to say I want spoilt children, but in the same way I’d hate not to be able to get them a gift that they so desire.
So it’s started to make me think that I should start saving and use an ISA to boost my savings, it really is scary that we have no emergency fund. If I’m honest I’ve heard people talk about ISA’s but I’ve never really quite understood how they work. So a quick google and a read on Wikipedia and I’ve got the concept!
Each year I am becoming more and more organised and will hopefully have put aside extra money for other gifts and the extra food and booze that Christmas and New Year brings! This year I am shopping at Morrisons to save up the coupons to get £40 off my Christmas shop.
Also I still haven’t quite got round to setting up the kids with a proper savings accounts. They have the one I set up with the government scheme vouchers but I’m yet to open them there own little savings account.
I really would like to teach them the value of money and can still remember now going along to Halifax and getting my little house money box when I was young!
I wonder what they do for little savers now, Think I’ll add that to the New Years Resolution list…