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Money Expert 總監 Liz Hunter 提供了一些英國人現在就可以開始做的重要建議,以避免在這個假期季節傾家蕩產。
Brits are being urged to take immediate action to ensure they can afford the Christmas they want.
英國人被敦促立即採取行動,以確保他們能夠負擔得起他們想要的聖誕節。
With the cost of living continuing to rise and Christmas just three months away, people are being advised to start saving now and making use of cashback schemes and discount codes to help spread the cost of the festive season.
隨著生活成本持續上升,距離聖誕節僅剩三個月,建議人們立即開始儲蓄,並利用現金返還計劃和折扣代碼來幫助分攤節日期間的費用。
Here, Liz Hunter, director at Money Expert, has provided some of her top tips that people can start doing right now to avoid breaking the bank this holiday season.
Money Expert 總監 Liz Hunter 在這裡提供了一些重要提示,人們可以立即開始執行這些提示,以避免在假期期間破產。
Better yet, some of the things you can do are incredibly easy and take little to no effort.
更好的是,您可以做的一些事情非常簡單,幾乎不需要任何努力。
Her advice includes how to purchase gifts for an affordable price, taking advantage of discount codes and vouchers, and when you should start purchasing Christmas food.
她的建議包括如何以實惠的價格購買禮物、利用折扣代碼和優惠券,以及何時開始購買聖誕食品。
1. Start saving now
1.立即開始儲蓄
While it might feel too late to start saving in September or October, you can still make a big difference by spreading out expenses over the next three months.
雖然在九月或十月開始儲蓄可能感覺太晚了,但在接下來的三個月內分攤開支,您仍然可以產生很大的影響。
Think about how much you'll realistically spend this Christmas, factoring in the cost of food, gifts, events and any other expenses.
考慮一下今年聖誕節你實際上會花多少錢,考慮到食物、禮物、活動和任何其他費用。
Divide this total into three equal parts then once you receive your pay this month, set aside one-third of the budget in a savings account. Repeat this process on your October and November paydays.
將這筆總額分成三等份,然後在您本月收到薪水後,將三分之一的預算存入儲蓄帳戶。在 10 月和 11 月發薪日重複此程序。
By following this plan, you can significantly reduce the financial stress of December.
遵循這個計劃,你可以顯著減輕12月的財務壓力。
2. Stock up on Christmas food now
2. 現在就儲備聖誕食物
Food prices often increase the closer it gets to Christmas, especially when it comes to festive items.
臨近聖誕節,食品價格通常會上漲,尤其是節日食品。
Although it may seem early to stock up on Christmas food, buying now can save you money later.
雖然現在儲備聖誕食品似乎有點早,但現在購買可以為以後省錢。
Fresh produce won't last, but non-perishable items like biscuits, nuts, chocolates and alcohol can be purchased in advance so if you spot good deals, grab them now.
新鮮農產品不會持續很長時間,但餅乾、堅果、巧克力和酒等不易腐爛的物品可以提前購買,所以如果您發現特價商品,請立即購買。
Remember to check the 'reduced to clear' shelves every time you shop, too.
每次購物時也請記得檢查「清空」貨架。
Many items, including meat joints and fish, can be frozen which could significantly help to reduce the cost of your December food shopping.
許多物品,包括肉塊和魚,都可以冷凍,這可以極大地幫助降低您 12 月食品購物的成本。
By stocking up on what you can now, you'll save money, spread the cost and avoid the hectic Christmas shopping rush.
現在就囤積物品,您可以省錢、分攤成本並避免繁忙的聖誕節購物高峰。
3. Sign up for cashback schemes
3. 註冊現金回饋計劃
Imagine being paid to do your Christmas shopping sounds appealing, doesn't it?
想像一下,在聖誕節購物時獲得報酬聽起來很吸引人,不是嗎?
Well, with cashback websites and apps, you can earn money back on every festive gift you purchase.
那麼,透過現金回饋網站和應用程序,您可以從購買的每件節日禮物中賺取收入。
These schemes operate by tracking your online purchases and rewarding you with a percentage of your spending as cashback.
這些計劃的運作方式是追蹤您的線上購買情況,並以您支出的一定比例作為現金返還來獎勵您。
For instance, if you buy something for £100 and the provider offers 5% cashback, you'll pocket £5 credit.
例如,如果您以 100 英鎊購買商品,並且提供者提供 5% 的現金返還,您將獲得 5 英鎊的積分。
Once you've accumulated enough, you can withdraw it as cash, gift cards or vouchers. It's a win-win situation.
一旦您累積了足夠的資金,您就可以將其提取為現金、禮品卡或代金券。這是一個雙贏的局面。
Save money on your Christmas shopping and keep the savings rolling into the New Year and beyond.
在聖誕節購物時省錢,並在新年及以後繼續節省開支。
The two largest platforms in the UK are Topcashback and Quidco.
英國最大的兩個平台是 Topcashback 和 Quidco。
4. Use discount codes
4.使用折扣碼
Utilising discount codes to stretch your Christmas shopping budget might seem like an obvious tip, but it's frequently overlooked.
利用折扣代碼來延長聖誕節購物預算似乎是一個顯而易見的技巧,但它經常被忽視。
With a simple online search, you'll be able to find a working discount/promo code for most online retailers, often saving you 5-20% off your purchase but sometimes even more.
透過簡單的線上搜索,您就可以找到大多數線上零售商的有效折扣/促銷代碼,通常可以為您節省 5-20% 的購買費用,有時甚至更多。
The easiest way to maximise the use of discount codes is to install a browser extension, such as Honey or Pouch, which will automatically apply working discount codes to your purchases at checkout.
最大限度地利用折扣代碼的最簡單方法是安裝瀏覽器擴充程序,例如 Honey 或 Pouch,它會在結帳時自動將工作折扣代碼應用於您的購買。
Do you shop on your phone? There are plenty of apps available, too.
你用手機購物嗎?還有很多可用的應用程式。
5. Don't wait for Black Friday
5.不要等到黑色星期五
While many anticipate Black Friday to offer the best deals, data indicates its reputation as the cheapest time for Christmas is often overstated.
儘管許多人預計黑色星期五將提供最優惠的價格,但數據顯示,其作為聖誕節最便宜時間的聲譽往往被誇大了。
In fact, a study by Which? discovered that only one in 50 Black Friday deals are at their cheapest price on the day of the sales extravaganza.
事實上,Which? 的一項研究發現只有五分之一的黑色星期五優惠是在促銷盛典當天以最便宜的價格出售的。
They also found that merely 2% were not available at the same price or cheaper within six months either side of the date.
他們還發現,只有 2% 的商品在該日期前後的六個月內無法以相同的價格或更便宜的價格購買。
So, don't delay your Christmas shopping.
所以,不要耽誤你的聖誕購物。
If you spot a good deal before Black Friday or Cyber Monday, seize it while you can.
如果您在黑色星期五或網路星期一之前發現了划算的優惠,請盡可能抓住它。
On the day itself, utilise a price comparison tool like PriceRunner to verify if the sale price is a genuine bargain.
當天,使用 PriceRunner 等價格比較工具來驗證促銷價格是否真正便宜。
6. Consider shopping for pre-loved gifts
6.考慮購買心愛的禮物
According to Oxfam, six in 10 people believe it's more acceptable than ever before to give second-hand gifts to a loved one, due to both the rising cost of living and environmental concerns.
據樂施會稱,由於生活成本上升和環境問題,十分之六的人認為向親人贈送二手禮物比以往任何時候都更容易被接受。
With this in mind and three months until Christmas there's ample time to raid your local charity shop and scour eBay, Vinted and Facebook Marketplace for unique second-hand gifts.
考慮到這一點,距離聖誕節還有三個月,您就有充足的時間去搜查當地的慈善商店,並在 eBay、Vinted 和 Facebook Marketplace 上搜尋獨特的二手禮物。
From vintage jewellery and rare records to unique homeware and other one-of-a-kind finds, second-hand gifts offer a more thoughtful and sustainable approach to Christmas shopping.
從古董珠寶和稀有唱片到獨特的家居用品和其他獨特的發現,二手禮物為聖誕節購物提供了更貼心、更永續的方式。
Not only do they save you money, but they also help the planet.
它們不僅可以為您省錢,還可以幫助地球。
7. Set expectations with
7. 設定期望
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