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Listing all posts with label Christmas spending. Show all posts.
  1. Christmas Bells from http://www.squidoo.com/free-frames-borders-backgrounds
    The expense of Christmas does take a bit of the gloss off of this special time of year, doesn’t it? Let’s take a look at some ways we can reduce the costs...and hear from some experts.
    1.     Make up a gift basket.  Take a look they can make inexpensive gifts.
    2.     Give a voucher for a deed you will perform at a later date such as clean the car, cook a meal.
    3.     Use your points collected on loyalty programmes to find something special without breaking the bank.
    4.     Do your own baking such as making Christmas cookies, fudge and more.
    5.     For New Zealanders you can give a child a KiwiSaver.  See a copy of the gift certificate and contact Lyn to make a certificate up for you.
    Christmas Saving Tips from Some Classical ‘Experts’
    Santa knows what he's doing! He makes a list and knows how crucial it is at holiday shopping time to have your list with you. If you hit the shops without your Christmas list, you're sure to overspend. Wise shoppers like Santa know that using a carefully thought out list saves time and money. And by organizing your purchases, you'll reduce those multiple trips to the mall and cut costly impulse buys.
    The Grinch
    Simple pleasures mean a lot, especially during the holidays. Ask the Grinch, who watched in amazement as Christmas in Whoville "came without ribbons! It came without tags! It came without packages, boxes or bags! . . . Maybe Christmas, he thought, doesn't come from a store. Maybe Christmas, perhaps, means a little bit more!" The much changed Grinch, whose small heart grew three times that day, will confirm that you don't have to spend a lot of money to have a happy holiday.
    Ebenezer Scrooge
    Scrooge learned after a very sleepless night to keep Christmas in his heart all year round.  This can be done by giving to charities.  As the donation is normally tax deductible you can make the donation as a gift on behalf of your family member or friend and they will receive the benefit of the tax refund.

    This is my gift to you for a stress free Christmas >>>>click here 

    Merry Christmas everyone!  And all the best for 2013.


As an Authorised Financial Adviser in Christchurch Lyn Bell has passed the requirements of the Financial Markets Authority and is legally qualified to provide financial services to her clients throughout New Zealand.  

Lyn’s registration can be viewed at www.fspr.govt.nz. Lyn can also be found at the Financial Markets Authority website.

A disclosure statement is available free on request



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While every care has been taken to supply accurate information, errors and omissions may occur. Accordingly, Lyn Bell & Associates accepts no responsibility for any loss caused as a result of any person relying on the information supplied.