Even though we are in the middle of a great Christmas in 2015, your thoughts may be leaning towards next year. If you never made the most of this Christmas or you feel as though there are ways in which you can make Christmas bigger and better, it is worth thinking about ways in which you can make Christmas more fun.

Of course, it is important to remember that Christmas isn’t just about money and gifts. This is part of the festive period but you should be looking for ways in which you can have a great deal of enjoyment and mirth with your loved ones. You should think about the great moments you experienced this year and see if you can replicate more of these moments next year. Christmas is an ideal time of the year to create memories and when you think back to your own childhood Christmases, you’ll realise that money wasn’t the be all and end all to the big day, so planning for next Christmas isn’t just about money.

Take control of your finances

However, there is no doubt that finances play a part in celebrating Christmas and this is why you need to take control of your finances. The cost of Christmas is rising every year and this is why it is important for people to save up money during the year. A good step would be to create a standing order for your savings account, as this will allow you to put money aside every month. The shock of Christmas is felt when you try to pay for it all in one go but if you are able to put money aside and build up your festive fund, you should find that you take a lot of stress and hassle out of the festive period.

Incorporating a saving plan, even a small saving plan, into your monthly budget is a great way to take the stress and expense out of Christmas next year. Whether this is to help you buy presents or to allay the cost of the food and drink you enjoy at Christmas time, there is no denying that planning ahead is a great way to ensure people enjoy the very best festive period.

If you are struggling to come to terms with the financial implications of this festive period, you will find that a guarantor loan can allow you to take control of your finances. Knowing that you can obtain a loan with an affordable APR and then clear off your debt is of benefit to many people, so don’t let Christmas debt get on top of you.