The silly season is often the best time to unwind and create cherished memories with family and friends. However, there’s no denying that celebrating often comes with additional expenses. Although the true meaning of Christmas lies in celebration and good cheer with your loved ones, it can be tempting to add a little extra flair to festivities. Does anyone else feel the need to cover the entire front of their house in Christmas lights? Just us, okay.


To help you plan the perfect Christmas, we’ve put some tips together so you can easily navigate the season without breaking the bank.


Start Early & Shop Smart

As Christmas approaches, finding the perfect present can feel really overwhelming. Especially when it can often feel like small things turn out more expensive than you hoped and the list of recipients seems to keep growing. To help alleviate the pressure, why not start your shopping spree a month or two before December? This not only eases the financial burden by spreading the costs over time but allows you to make the most of Black Friday and Cyber Monday sales.


Starting early also gives you ample opportunity to find thoughtful gifts without the last-minute rush. You could even think about starting a Christmas wishlist on your phone, adding to it throughout the year as you think of ideas or someone mentions something they’ve got their eye on. This means Mum gets those new Riedel wine glasses and your brother gets that award-winning single malt whiskey he’s always wanted to try.


Put Together A Spread To Remember

If you’re feeding your entire extended family during Christmas, expenses can quickly add up once you put the traditional turkey, ham and seafood in your shopping basket. Oh, and you also can’t forget the wine, antipasto and pavlova. To manage the costs efficiently, consider dividing the responsibilities among family members. This means everyone can get involved in helping prepare the Christmas feast and it takes the strain off one family!


Instead of reaching for your credit card at this time, you could also consider a short term personal loan for Christmas to easily get your finances on track ahead of the silly season. This allows you to take advantage of all the benefits of a personal loan with a fixed loan amount and fixed interest rate over a fixed repayment period. The best part is that there are no fees for early payouts or additional repayments, perfect if there’s money in a card waiting for you under the tree.


Pre-Plan Your Christmas Travel

We all want to reunite with loved ones over Christmas, no matter how far away they are! However, travelling during the festive season can often be financially demanding, especially when it comes to booking flights. If flexibility allows then consider adjusting your travel dates outside the peak period or booking well in advance to make the most of special deals.


If you’re after an extended holiday so the whole family can relax locally or explore new destinations internationally, why not choose a travel loan this Christmas with Rapid Loans? A travel loan can be a great option to help cover everything from accommodation to food and entertainment. As a trusted and established lender, we offer customisable travel loans that can accommodate almost any income status, credit history, lifestyle or other circumstance.

Don’t miss out this Christmas, complete our easy online application form today.


Go For The Stress-Free Solution

If holiday expenses seem daunting and you’re exploring your financial options, a personal loan could be the best solution to having the perfect Christmas without unnecessary stress. We specialise in offering tailored personal loan options to suit every individual with flexible repayment plans that are designed to help you ease into the New Year. If you meet our lending criteria, you can start living your best life today with a secured loan from $2,001 up to $40,000. It’s simple and the entire process, from application to approval and payment, often takes less than 48 hours!


If you haven’t applied for finance before, you might want to learn more about how getting a personal loan works.


The festive season should be a time of joy and togetherness so by adopting these practical tips and considering financial solutions that align with your needs, you can ensure a memorable Christmas without compromising your financial peace of mind. If you need more tips on managing your personal finances, then why not learn about how personal loans can actually be a tool for better managing your money when times get a little tough.


Get started now by visiting our website or calling our loan specialists on 1300 727 431.


Please note: This is purely an opinion piece and should not be used as a sole source of guidance.This is general advice only, and has not taken into account your financial objectives, needs or requirements. You should seek your own advice to determine if this product is right for you.