Lifestyle

I quit my £90k job but still saved £24k in a year

FORMER high-flyer Kel Galavan quit in 2018 – but still saved a staggering £24k.

The former high-flyer is from Kildare, 30 miles west of Dublin, with her husband Dave, 43, an IT worker, and their children, aged 10 and 7.

Kal Galavan shares her top 13 tips for a budget-friendly Christmas the kids will still love

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Kal Galavan shares her top 13 tips for a budget-friendly Christmas the kids will still loveCredit: Rachael Victoria Fawsitt
Kal, with two children aged 10 and seven

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Kal, with two children aged 10 and sevenCredit: Photographer Michael Donnelly

Tired of the rat race and wanting to spend more time with her family, she decided to quit the job she loves – and now she’s a money-saving expert.

“My mission is to cut down on our outings so I can afford to stay at home,” she said.

“In just 12 months, we’ve saved more than £4,000 on beauty treatments plus another £20,000 on clothes, takeaway coffee, meals out, childcare and holidays.

“It was the best thing I’ve ever done.

“Christmas is a challenging and expensive time of year, often leaving us exhausted, stressed, stressed and very very very broken.

“So before you rush out the door to grab every ‘must have’ item and luxury gift on your wishlist. That’s the recipe for total bankruptcy, by the way. Instead , make a change this year, consider how much you can afford, and plan how to pay.To tackle this, here are some of my top tips on how to save money. in Christmas. “

Prohibition of unnecessary gifts

Consider not giving gifts this Christmas!

Now we are not talking about our nearest and dearest.

From a parent or grandparent, for example, but instead a jumble of friends, extended family, and co-workers you barely know. Remember Christmas is about giving and cheering for loved ones, not paying off debt for all and little things.

We need to stop giving hard and think about what we are giving, to whom, and why.

Rethink the gifts you give

If you’re stressed about what to do to get a loved one, remember that gift giving creates an obligation on the recipient to return it, whether they can afford it or not.

Sometimes the best gift is not a gift at all. Sometimes, taking the pressure off others is the greatest gift you can give.

You can always make a ‘no unnecessary gift giving’ (NUPP) promise to friends and colleagues if it’s not a runner who agrees to Secret Santa with a maximum spend of £10 on gift.

Focus on the experience

If you want to give gifts, focus on the experience. For example, meet a friend for coffee or an early lunch and offer to pay.

This way, you can enjoy their company and give them an afternoon to remember.

Redeem your checkbook for a free Christmas gift check

Gifts don’t have to be large sums of money.

You can keep a checkbook in mind for specials that you know the recipient will enjoy.

Things like having breakfast in bed, clearing the garage or car, cooking a meal, anything that takes time instead of cash can be the best gift.

Buy a unique decoration every year

This is a personal favorite. Instead of hoarding piles of picturesque tree decorations, keep costs down by asking each family member to choose (or make) a special ornament.

For example, you can choose a link with something that makes the year special.

Your tree will become a lovely array of memories that you can layer on year after year.

Haven’t used it since last year? Beat it.

We all have a lot of unused, barely-used items around our homes.

If it just takes up space in your life for no reason, you might as well move on with it.

You get extra cash for the holiday season and someone gets what they need for a fraction of the price.

Many platforms move unwanted stuff into a new home, from eBay to Facebook Marketplace. It is a win-win for everyone.

Reduce the cost of celebrating Christmas with children

Children rarely remember expensive turkey or the best branded chocolates; however, they miss the family time.

Christmas lights

Take a night-time drive past glittering houses and admire creative gardens and colorful lights.

Many Christmas lovers come to town to decorate their homes with bright lights and glowing reindeer.

Get in the car for an impromptu drive and admire the lights.

Christmas movie night

Nothing beats the instant cheer from grabbing a blanket, turning on fairy lights, and immersing yourself in a Christmassy movie.

Cheese the better. Make it extra special with hot chocolate topped with whipped cream or marshmallows.

Few things beat The Polar Express and rich hot chocolate.

Festival Tradition

Other Christmas rituals like the night by the fire to read ‘The Night before Christmas’. Leave clues to make it like Santa Claus.

What a professional chimney shooter he is; he rarely leaves clues that he came to call.

So leave some clues like sparkles or flour around the fireplace or walk through their bedroom door with a jingle bell after they go to sleep.

Winter fun

Release boredom and create memories for a lifetime by making your own cookies and Christmas decorations.

You don’t have to spend a fortune to turn your place into a TV worthy ad.

Create wonderful Christmas traditions by combining for a winter forest walk. Collect piles of fir cones to paint, then clean the house with them.

Camp under the Christmas tree in the evening.

Nothing screams Christmas like the moment you bring up the tree. So create memories of adventure by camping in the living room under the twinkling lights. It doesn’t have to be the first night; any night.

Make a list – and check it twice!

Impulsive shopping is expensive and dangerous for your budget.

So take the time to sit down and make a list of all the gifts and things you will need for the holiday season and stick to that list.

Remember, big spenders target our tendency to impulsive spending – a list will help you beat them.

Start celebrating your Christmas as soon as possible

This way, you can plan without panic, spread costs over months, and reduce your chances of relying on credit.

Kal now works as an expert in saving money and helping others take control of their finances

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Kal now works as an expert in saving money and helping others take control of their financesCredit: Photographer Michael Donnelly

For more Christmas news, see how much the average British person spends on Christmas.

Plus, Mom shares a VERY detailed Christmas list of her 11-year-olds with £25k trainers and £500 jumpers.

Meanwhile, a dad revealed his trick to getting his kids to behave around Christmas by wrapping empty boxes and throwing them in the fire if they’re naughty.

You’ve hung all the light strips the wrong way on your Christmas tree – the right way will make them easier to remove

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https://www.the-sun.com/lifestyle/4165112/quit-90k-job-top-tips-budget-christmas-kids-love/ I quit my £90k job but still saved £24k in a year

PaulLeBlanc

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