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Money Expert 总监莉兹·亨特 (Liz Hunter) 提供了一些英国人现在就可以开始做的重要建议,以避免在这个假日季节倾家荡产。
Brits are being urged to take immediate action to ensure they can afford the Christmas they want.
英国人被敦促立即采取行动,以确保他们能够负担得起他们想要的圣诞节。
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.
随着生活成本持续上升,距离圣诞节仅剩三个月,建议人们立即开始储蓄,并利用现金返还计划和折扣代码来帮助分摊节日期间的费用。
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 总监莉兹·亨特 (Liz Hunter) 在这里提供了一些重要提示,人们可以立即开始执行这些提示,以避免在假期期间破产。
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简单,几乎不需要任何努力。
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.
她的建议包括如何以实惠的价格购买礼物、利用折扣代码和优惠券,以及何时开始购买圣诞食品。
1. Start saving now
1.立即开始储蓄
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.
虽然在九月或十月开始储蓄可能感觉太晚了,但通过在接下来的三个月内分摊开支,您仍然可以产生很大的影响。
Think about how much you'll realistically spend this Christmas, factoring in the cost of food, gifts, events and any other expenses.
考虑一下今年圣诞节你实际上会花多少钱,考虑到食物、礼物、活动和任何其他费用。
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.
将这笔总额分成三等份,然后在您本月收到工资后,将三分之一的预算存入储蓄账户。在 10 月和 11 月发薪日重复此过程。
By following this plan, you can significantly reduce the financial stress of December.
通过遵循这个计划,你可以显着减轻12月的财务压力。
2. Stock up on Christmas food now
2. 现在就储备圣诞食物
Food prices often increase the closer it gets to Christmas, especially when it comes to festive items.
临近圣诞节,食品价格通常会上涨,尤其是节日食品。
Although it may seem early to stock up on Christmas food, buying now can save you money later.
虽然现在储备圣诞食品似乎有点早,但现在购买可以为以后省钱。
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.
新鲜农产品不会持续很长时间,但饼干、坚果、巧克力和酒等不易腐烂的物品可以提前购买,所以如果您发现特价商品,请立即购买。
Remember to check the 'reduced to clear' shelves every time you shop, too.
每次购物时也请记得检查“清空”货架。
Many items, including meat joints and fish, can be frozen which could significantly help to reduce the cost of your December food shopping.
许多物品,包括肉块和鱼,都可以冷冻,这可以极大地帮助降低您 12 月食品购物的成本。
By stocking up on what you can now, you'll save money, spread the cost and avoid the hectic Christmas shopping rush.
通过现在就囤积物品,您可以省钱、分摊成本并避免繁忙的圣诞节购物高峰。
3. Sign up for cashback schemes
3. 注册现金返还计划
Imagine being paid to do your Christmas shopping sounds appealing, doesn't it?
想象一下,在圣诞节购物时获得报酬听起来很吸引人,不是吗?
Well, with cashback websites and apps, you can earn money back on every festive gift you purchase.
那么,通过现金返还网站和应用程序,您可以从购买的每件节日礼物中赚取收入。
These schemes operate by tracking your online purchases and rewarding you with a percentage of your spending as cashback.
这些计划的运作方式是跟踪您的在线购买情况,并以您支出的一定比例作为现金返还来奖励您。
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 英镑购买商品,并且提供商提供 5% 的现金返还,您将获得 5 英镑的积分。
Once you've accumulated enough, you can withdraw it as cash, gift cards or vouchers. It's a win-win situation.
一旦您积累了足够的资金,您就可以将其提取为现金、礼品卡或代金券。这是一个双赢的局面。
Save money on your Christmas shopping and keep the savings rolling into the New Year and beyond.
在圣诞节购物时省钱,并在新年及以后继续节省开支。
The two largest platforms in the UK are Topcashback and Quidco.
英国最大的两个平台是 Topcashback 和 Quidco。
4. Use discount codes
4.使用折扣码
Utilising discount codes to stretch your Christmas shopping budget might seem like an obvious tip, but it's frequently overlooked.
利用折扣代码来延长圣诞节购物预算似乎是一个显而易见的技巧,但它经常被忽视。
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.
通过简单的在线搜索,您就可以找到大多数在线零售商的有效折扣/促销代码,通常可以为您节省 5-20% 的购买费用,有时甚至更多。
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码的最简单方法是安装浏览器扩展程序,例如 Honey 或 Pouch,它会在结帐时自动将工作折扣代码应用于您的购买。
Do you shop on your phone? There are plenty of apps available, too.
你用手机购物吗?还有很多可用的应用程序。
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.
尽管许多人预计黑色星期五将提供最优惠的价格,但数据显示,其作为圣诞节最便宜时间的声誉往往被夸大了。
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.
事实上,Which? 的一项研究发现只有五分之一的黑色星期五优惠是在促销盛典当天以最便宜的价格出售的。
They also found that merely 2% were not available at the same price or cheaper within six months either side of the date.
他们还发现,只有 2% 的商品在该日期前后的六个月内无法以相同的价格或更便宜的价格买到。
So, don't delay your Christmas shopping.
所以,不要耽误你的圣诞购物。
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网络星期一之前发现了划算的优惠,请尽可能抓住它。
On the day itself, utilise a price comparison tool like PriceRunner to verify if the sale price is a genuine bargain.
当天,使用 PriceRunner 等价格比较工具来验证促销价格是否真正便宜。
6. Consider shopping for pre-loved gifts
6.考虑购买心爱的礼物
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.
据乐施会称,由于生活成本上升和环境问题,十分之六的人认为向亲人赠送二手礼物比以往任何时候都更容易被接受。
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.
考虑到这一点,距离圣诞节还有三个月,您就有充足的时间去搜查当地的慈善商店,并在 eBay、Vinted 和 Facebook Marketplace 上搜寻独特的二手礼物。
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.
从古董珠宝和稀有唱片到独特的家居用品和其他独一无二的发现,二手礼物为圣诞购物提供了一种更贴心、更可持续的方式。
Not only do they save you money, but they also help the planet.
它们不仅可以为您省钱,还可以帮助地球。
7. Set expectations with
7. 设定期望
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