Buy the christmas presents now and pay later – sure, it can be appealing?
do not Go on it. To postpone the payment can be a debt trap, experts warn.
Sure, it's easy to get carried away in the köpfesten that are ahead. Expensive toys in fancy packages, who do not want to see children's eyes sparkle on christmas eve?
Many companies entice you with offers to buy now and pay then. Maybe to use invoice and split the payment, or to receive generous credits for julklappsköpen.
But beware. To buy on credit can be really hard during all the gray weekdays, which comes after christmas.
– It is clearly tempting to make part payments for christmas presents, or to respond to offers of, for example, first pay in February. But if you have five, six such purchases, it can be really tough then, " says Margareta Lindberg, investigator at the Swedish Consumer agency.
We are awash with different credit offers; it is so simple nowadays, " she says. But dangerous. Especially for those who have a limited finances. The margins are so small, and if the bills pile up for a month, it is easy to overturn the entire budget.
" We want our children the very best, and the expectations for christmas are so great. There should ideally be many packages. But it is far between the payroll is the 23 december and next pay in January. Then it is free also, and it costs money too.
Purely as a matter of fact, it is better that the children have a safe home, food on the table and parents who are not burdened by economic anxiety than barnaögonen brighter than juleljusen on christmas eve, she thinks.
"I think you should sit down in the family and talk, \ \"
Sharon Lavie, privatekonom at Ikano bank, agrees.
– Focus on a goal, a thing, and paint it up as fun, " she says.
But most want to, of course, have presents for the children to put under the christmas tree.
– If you plan to buy something expensive so it is best to put money aside each month in advance. You can also allocate julklappsköpen during the year, and already start in september, " says Margareta Lindberg.
do not Borrow to the christmas presents - it will be expensive, and you risk to get caught in a debt trap. Better to plan in advance, put money aside for christmas and spread on purchases.
Involve the children. They can be with and give priority to what the family should do for the julpengar available.
Go together and buy larger things together – it will usually be cheaper.
Perhaps don't need a christmas present to be a thing? Experiences can only be both cheaper and more fun.
Can you make the christmas presents yourself? Carpentry, sewing, painting or stick - it becomes personal pats.
don't Forget to plan for all the other costs associated with the christmas season. Travel and christmas and new year celebrations that will close to, and so the leave that follows for many. All of this costs money too.
Source: the national Consumer agency