Steps you need to take now for a debt-free Christmas

With just 21 weeks until Christmas, now is the time to start planning so you can save big time.

It's all about getting organised, and while you don't need to set anything in stone, by making a list and checking it twice you can ensure you remain debt-free and even stress-free this Christmas

Here's how to do it.

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How to save on gifts and food

Shop during sale events

There are plenty of opportunities to purchase both gifts and non-perishable foods between now and Christmas, not to mention sales that will help you save even further.

Just keep your gift and food lists handy and shop as you go, checking off items as you find them discounted.

Create a budget

Think about how much you want to spend on gifts and food this year and do your best to stick to it. It's all about what you can afford. Avoiding debt is key to enjoying the festive season.

Spread out the purchase of gifts

By planning ahead, you are giving yourself time to spread out gift purchases, even those that aren't normally discounted, so you avoid a big hit in December.

Best way to remain debt-free

Start saving now

If you put away $50 a week from this week, that will give you an extra $1,000 to spend in December, which can be used for gifts, food or travel.

Or, save whatever you can afford.

Create a buffer

It's always good to save a bit more than you think you will need, in case of unexpected guests and other expenses.

Do a spring clean

Have a look at what you already have when it comes to Christmas gifts, wrapping, card and tags. You may also find some items you can sell online or via a garage sale to add to your Christmas budget.

Hampers to help get organised

There are some great options for Christmas hampers, including:

Chrisco

Christo is a hamper subscription service that allows customers to make a weekly payment. Come Christmastime, they will receive a huge hamper filled with all the food they need.

The Family Christmas Hamper is just $49 per week.

Snowgoose

Here you will find gourmet options for Christmas and buy purchasing them now, you are ensuring they will arrive in time for you to entertain.

These hampers start from a one-off payment of $199 including the Antipasto Gourmet Hamper.

Delish Deliveries

This company specialises in produce straight from farms to your door, and they have some incredible hampers perfect for Christmas including the Foodie Family Hamper for a one-off cost of $169.

Other ways to save

Travel

Research shows if you book your Christmas travel 17-18 weeks ahead you can save up to 30 per cent, so book now.

Kid's activities

There are lots of great children's activities over the festive season, which you can book now so you don't miss out. This is a great way of avoiding last-minute kids' entertainment costs.

Food

Start purchasing non-perishable food items now from your local supermarket or via Amazon and Catch to ensure you don't run out of anything. Non-perishable food are also a great way to create your own hampers as affordable gifts.