Saving money is deemed to be one of the golden rules in life but sometimes the tough part about it is not knowing how and when to start. While various factors (e.g. income, expense, location, age, etc.) may affect our financial situation, prioritising saving plans early is worthwhile and can yield good long-term results.

Here are few ways on how you can start saving now instead of later:?

  • Make a List and Check it Twice

An excerpt from a classic Christmas song falls as the top priority everybody can do to avoid going over the budget in holiday shopping. List down the people who will receive gifts or tips and take note of how much you'd like to spend on each of them and stick to it.

  • Watch out for the Best Deals

Doing last-minute shopping may get you stressed out and even forget some things to purchase so better start buying holiday items early. Big sales are all around the corner and you can get the best deals not having two wait for a day before Christmas.

  • Shop Online

With the presence of various online shops and retailers, you can avoid the hustle and bustle of the busy crowds and still score great finds with one click away. Some offer free shipping and you may opt to deliver the presents to you or have them shipped right to the recipients.

  • Pay with Cash

Holidays are full of surprises but don't let your budget surprise you with overspending. Leave the credit card at home and pay for your items with cash. You may find the urge to find the most perfect gift but having no credit card with you will keep you reminded to spend only within your means.