Spreading the cost of Christmas is a paid collaboration. Christmas is expensive. Even with all the will in the world, we can not always be prepared for the cost associated. Or perhaps we have been saving for Christmas and then something happens and all those savings disappear. That is what happened to us this year. Our dog Alvin became unwell and had to have a major operation which we hadn’t planned for and due to a previous condition we do not have pet insurance.
I really am a realist and realise that not everyone has a pot of money to be able to spend on Christmas. And that even the best-made plans can fall due to unseen circumstances like our issue with Alvin. Also as my boys have got older the presents have physically got smaller but the prices anything but!
So where do you buy the “big-ticket” items such as games consoles, bikes or even those trainers they have been asking for?
When I was growing up my mum’s secret weapon at times like this was the buy now pay later catalogues. In fact, it wasn’t such a secret as it was how all my friends’ parents afforded Christmas. It enabled them to spread the costs. Does anyone else remember circling everything they wanted?
Over the intervening years, it seemed to become less popular, but perhaps that was due to the fact that I wasn’t a parent and didn’t realise just how hard it was to budget for every event!
Other than being really convenient, I like the fact that you can use their credit options “buy now and pay later” and spread the cost of those big items. It really helps spread the burden of the cost over a number of months.
Catalogues247 is a great starting point for people looking to purchase an item this Christmas as it has a list of the latest catalogue discount codes and also which catalogue has specific offers on.
This enables you to compare prices and find the best deal for you.
My top tips for buying from a catalogue
- Make sure you compare prices and shop around.
- See if they have any discount codes.
- Does the catalogue offer an incentive for new purchasers?
- Remember that you are borrowing money, so check the credit charges.
- Borrow only what you can afford to pay back.
- See if there is an interest-free credit option.
- Check out the delivery costs.
I will say it again only borrowing what you know you can afford to repay is an essential part of shopping with a catalogue and repaying it back within the set time limit.