Experts recommend that Russians start planning their budget for the New Year holidays right now. This is advice on how to properly distribute your money and avoid financial problems at the end of the year.
The main thing is to start early if you want to spend less money and avoid going into debt. When you rush to decide everything in November or December, your head doesn't work right, and you buy whatever you see first, often overpaying. If you plan from October, you can pick cheaper gifts, compare offers, and wait for discounts. Plus you'll have time to save money gradually instead of scrambling to find it right before the holidays.
In practical terms, you should first figure out who you need gifts for and roughly how much you have to spend. Then divide that amount by the number of months until New Year - you get a smaller sum that's easier to set aside each month from your paycheck. October is ideal because you still have two or three months ahead, and you can catch the sales that start in autumn.
There's also an important psychological factor. If everything's paid for in advance and gifts are already bought, you come to the holidays more relaxed, without worrying about debt. You spend the same amount of money overall, but your mind is grateful when the financial stress is behind you.
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