What’s your technique for tackling Xmas shopping? And how can you adapt your spending style to make sure you’re not drowning in debt come the New Year?  Take our quiz and get some tips for sticking to a budget no matter how you like to shop for the festive season.

How did you spend Black Friday?

No need to shop the sales, I bought all my gifts ages ago

I bookmarked all the best brands and snapped up all the best gifts for less

Isn’t that a terrible fire that happened in Victoria?

I really should just cut up my card before these kind of sales…

Correct!

Wrong!

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What do you do if you have an unexpected guest for Xmas and need a gift?

Pop a few home made shortbread in a gift box.

Check their email address, hop online and buy them a gift voucher.

Grab one of your spare, all-purpose gifts from the stash.

Add a bottle of French champagne to the cart when you do the last minute Xmas grocery shop.

Correct!

Wrong!

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24 hour shopping in the week leading up to Xmas is your idea of...

Insanity - why on earth would you leave it until the last minute?

Handy - just in case there are any gifts I’ve forgotten to buy

Essential - I’d never find time to get the shopping done otherwise

Hell - I avoid shopping malls at all costs

Correct!

Wrong!

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When choosing gifts you prefer to...

Buy or make something people eat or drink so it won’t gather dust in a cupboard or be thrown away.

Keep your eyes open all year round for the perfect thing for each person.

Hit the shops and browse until inspiration strikes.

Stick with quality brands and spend a little more.

Correct!

Wrong!

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Your credit card bill arrives in January. Your reaction is…

Hope I’ve got enough credit left after my payment to take advantage of special online deals for my favourite brands.

The same as always - pay it all off.

Why am I getting a bill? I don’t even have a credit card.

Ignore it, unless it’s maxxed out then I’ll need to pay some off so I can shop the January sales.

Correct!

Wrong!

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Planning to budget better this Christmas and in the new year too? Find out more about the importance of curbing your spending on big occasions. And if you’re ready to take a new approach to spending less and saving for the future a CERTIFIED FINANCIAL PLANNER® professional can offer valuable advice on helping you managing your finances and your budget.