Is it possible to maintain a traditional Christmas with tighter budget constraints? Families this year are looking to spend less than they have in the past while still maintaining the main traditions they hold dear.

It is a challenging undertaking but it can be done. In fact, you may find that next year, even if you are in a better financial situation, you still may want to hang on to these cost cutting ideas.

If you have the goal of paying off credit cards in the upcoming year, you may be sending extra money each and every month to the lenders. Consider looking into balance transfers to shift your debt to a card with a lower interest rate.

Not only are you looking ahead to the future, but you are usually able to skip one payment as the balance is moving to the new card. This could free up a little cash to spend during this time of year.

From new clothes to presents and food to decorations it is easy to see how quickly the money disappears. Even if you spend a little here and a little there, it all adds up.

Look at the ways you plan to spend this holiday. Even if you are working on balance transfers to access more money, that doesn’t mean that you have to spend it all. Try to cut costs in any way possible.

What do you spend the most on? If you are like most people, gifts tend to take up the largest portion of the Christmas budget. Cutting back and changing your gift giving practices is the easiest way to get through a tight Christmas.

You don’t want to give up the tradition of exchanging gifts. Everyone loves that part of the holiday. But you don’t need to go over the top with each gift that you purchase.

Many families are making minor adjustments to their traditions in order to make it easier financially on all the members. Instead of buying for everyone, make it a point to just buy for the kids this year.

Even though the adults won’t be getting gifts, most will be thrilled with the fact that their Christmas shopping list was just cut back. Sure, they are getting less, but they are also shopping less. During this time of year, avoiding the malls and shops could be a win-win.

Consider making changes to your Christmas card traditions. You don’t have to give them up completely. Everyone likes receiving cards and posting them on the fridge or even in a card display.

This year, save on postage and hand deliver the cards. You don’t want to charge the cost of stamps. You are already working on balance transfers to lower your interest rates and pay off the credit cards. Many of the people that you send cards to are individuals that you see regularly.

Have the cards signed and ready to go. Keep them in the car. When you go to church, school, or work you can easily take the cards you need and pass them around.

The card itself is sentimental. It isn’t because you send the card in the mail. It is because you care about them enough to give a card.

As you look through your family’s traditions and consider ways you can save, remember that it doesn’t matter how much you spend this year. It doesn’t even matter what gift each person receives.

One of the best things about Christmas doesn’t cost a thing. Cherish this time with your family and friends.

This post was brought to you on behalf of Money Supermarket.

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