'Risks of Impulse Shopping'
With Christmas creeping up on us and with school finishing up for the year, it will start to get more and more difficult to find a car park at your local shopping centre as people get caught up in the adrenaline and excitement of Christmas shopping.
If you wander through you local department store this time of year (if you can find a car park), you will find that it is so easy to become hypnotized by the all sights, sounds and smells of Christmas, which can ultimately leave you vulnerable to impulse shopping (keep in mind, these places want you to spend your money).
Therefore, when and if you decide to tackle you Christmas shopping it is important to be prepared.
- Write a list
- Do your research (e.g. compare online to in store prices)
- Commit to a Budget
- Consider taking advantage of the extended shopping Christmas hours
- Avoid the temptation of using high interest pay day lenders to get 'quick, easy money'
- Avoid shopping with others so you don't feel pressured to buy certain things
For more information, see the attached link to the Moneysmart page for '12 Money Tips for Christmas'
With 12 days to go until Christmas, we are now well and truly into the festive season (see if you can find a department store that isn’t playing Michael Buble’s Christmas album).
For the next few weeks, we will be bombarded with Christmas songs on the radio, fairy lights,elves, tinsel and celebrity chefs on TV showing you how to cook the perfect Christmas lunch. For many of us, Christmas is a time for celebration and relaxation, when we get together with friends and family and reflect on the year that has been.
However, Christmas can also be a difficult time for many people. Spare a thought for your elderly neighbor who lives alone, your friend who is experiencing financial hardship, your relative who is going through a separation or your co worker who is struggling with depression.
If you know someone who finds this time of year especially difficult, consider reaching out to them to show that you are thinking of them. As the Grinch said, ‘It came without ribbons, it came without tags. It came without packages, boxes, or bags. Maybe Christmas doesn’t come from a store. Maybe Christmas, perhaps, means a little bit more’.
If you or someone you know finds this time of year especially difficult, services such as Lifeline are available 24 hours a day 7 days a week to take your call.
For more tips to get through the festive season, see the link for the ABC interview with Clinical and Health Psychologist, Sabina Lane.
When you scroll through the extensive list of Christmas hampers that are available online, it becomes extremely apparent that you have little to no choice about what brands or products go into each hamper.
Can you justify paying $30 or more each fortnight for a whole year for full priced items you did not choose yourself?
As an alternative option, we have put our thinking caps on to help you design your very own DIY Christmas hamper.
We have all seen the image on television and in magazines of a dinner table that has been beautifully laid out with red, green and gold decorations, covered in enough food to feed a football team. The family seated at the table are dressed like they are going to visit the Queen and are laughing, probably at something the dog has done. The image has blurry edges to give it that warm, cosy, festive feeling as the advertisement reveals to the audience that for a small fortnightly payment all the food on the table could be yours this Christmas.
At first glance, a Christmas hamper seems both convenient and ‘value for money’, but if we get down to the nitty-gritty of it…is a Christmas hamper really worth it?
Before you consider signing up for next year, take a look at the list we created of ‘Things to think about before you sign up for a Christmas hamper’.
Need help to pay your electricity or gas bills?
You have rights.
Stronger protections are now available to households having trouble paying their energy bills. The Australian Energy Regulator has taken action to assist vulnerable customers experiencing payment difficulties by introducing an enforceable Customer Hardship Policy Guideline.
Energy retailers have important responsibilities in helping vulnerable customers. The Guideline requires energy retailers to provide consistent minimum standards of assistance, ensure hardship programs are easily accessible and put processes in place to identify customers who may need help.
Customers participating in a hardship program will get access to different payment options, help finding a better energy plan, tips on energy efficiency, and information about government concessions, relief schemes, energy rebates and financial counselling services.
Other help may also be available – All energy providers have a hardship policy that tells you how they can assist you if you are having trouble paying your energy bills due to hardship. You can find it on their website or ask them to post you copy.
If you are in a hardship program and meetings its conditions your energy provider cannot disconnect you.
If paying your utility bills is a struggle call your energy retailer and talk to them about your situation, you may be surprised by the help that is available.
For more information, visit the Australian Energy Regulator’s website at [www.aer.gov.au/consumers/my-energy-bill/help-for-customers-in-hardship](https://outlook.office.com/owa/redir.aspx?REF=CVjY0EEewpzFGhBVoOuq7C_Xb4rSpSeCBjgQoJ4-QUPr7PrKRWLXCAFodHRwOi8vd3d3LmFlci5nb3YuYXUvY29uc3VtZXJzL215LWVuZXJneS1iaWxsL2hlbHAtZm9yLWN1c3RvbWVycy1pbi1oYXJkc2hpcA..).
When life is tough call Affordable SA 1800 025 539 or visit [www.affordablesa.com.au](https://outlook.office.com/owa/redir.aspx?REF=uS9vZkOIrOv6MsJd-xrudYu4AWGqiRiGqarrbUBtWwjr7PrKRWLXCAFodHRwOi8vd3d3LmFmZm9yZGFibGVzYS5jb20uYXU.) or download the app AffordableSA for free, confidential and independent support to 'get in the know' with services that can best help you.
1. Contact your local Salvation Army and ask about the Christmas Cheer Program
2. Seek out which church based organisations are offering Christmas day lunch in your area
3. If don’t want to feel the financial pressure of Christmas Day, consider volunteering your time on Christmas Day to help others
4. Contact your local council, community centre or library to see what free Christmas activities are offered in your area during the Christmas period
5. Visit your local op shop for Christmas supplies
6. If you are considering buying a pet as a gift for Christmas, consider adopting from a rescue centre
7. Buy in bulk and split the cost with friends and/or family members
8. Start buying non-perishable groceries now
9. If you know that there will be non-perishable groceries that you will need for Christmas, buy 2 of them when they are half price, that way you will have one for now and one for Christmas
10. Instead of an expensive hot turkey, consider a non-traditional, southern-hemisphere inspired Christmas Day menu of cold meat and salads
11. As most supermarkets are closed on Christmas Day, pay them a visit the night before right before they close to see what food has been discounted
12. It doesn’t snow this side of the equator on Christmas Day, so take Christmas outside. As an option, suggest that everyone bring a salad or a packet of sausages to cook on the public BBQ at your local park.
13. Instead of trying to buy (or make) a Christmas pudding, consider making a ‘non-traditional’ ice cream cake
14. Consider using accumulated supermarket loyalty points to buy your Christmas food
15. Instead of hosting a Christmas lunch or dinner, consider the cheaper option of a Christmas breakfast (no turkey required)
16. Avoid Christmas hampers that have year-long payment arrangements. You can end up paying a lot more for items compared to if you purchased them outright.
17. Don’t feel pressured to serve ‘traditional’ food at Christmas time. In Japan, it is tradition for around 3.6 million families to get a ‘holiday party bucket’ from KFC on Christmas Eve…
18. Instead of buying a whole turkey, ham or chicken, consider buying separate cuts of meat (e.g. legs, wings, roasts, etc.)
19. Commit to a budget. Draw up a table with who you are buying for and how much you can afford to spend on each person. Do not go over your budget.
20. If the children in your family are getting older, consider the option of a Secret Santa (each person is responsible for only one gift)
21. Take advantage of the extended Christmas shopping hours. There will be less people around, which means you may feel less stressed and rushed
22. Don’t feel pressured by others, or yourself, to buy Christmas presents you cannot afford
23. Wrapping paper can be expensive. Consider newspaper, material, cellophane, brown paper, etc
24. Consider baking cookies or making a Christmas pudding as alternative to buying someone a Christmas present
25. Consider making homemade pickles, jams, preserves and giving them as gifts
26. Only go shopping for Christmas gifts when you know what you want to buy – avoid impulse purchases that are not within your budget
27. Save money on buying Christmas cards by sending your Christmas greetings electronically via email, text or social media
28. If you are creative, try a DIY present – soaps, candles, a knitted scarf, a tie dye t shirt, a photo frame, a painting, etc
29. Consider giving the ‘gift of time’ to someone. Create a coupon book of activities that you could do together in the future (e.g. watching a movie of the other person’s choice)
30. Do not put yourself in financial hardship just so you can buy what others consider to be ‘the most amazing, best Christmas present of 2019’… it will be something completely different by Christmas 2020
31. If you don’t know what to get someone, consider a small charity donation on their behalf
32. Consider giving gift cards instead of actual gifts
33. Avoid the temptation of getting ‘quick, easy’ money through pay day lenders to buy Christmas presents
34. Recycle Christmas wrapping paper and gift bags from previous years
35. Get your children involved by making your own Christmas cards
36. Buy your 2020 Christmas decorations on or after Boxing Day
37. If buying a new Christmas tree is not in your budget this year, consider designing and building your own
38. To give the traditional ‘Christmas tree’ a modern twist, decorate an indoor plant
39. Make your own table decorations – i.e. use a roll of wrapping paper as a table runner or pick foliage from your garden
40. Make your own Christmas stockings by decorating old pillow cases
41. Use newspaper and craft paint to make a home-made Christmas garland
42. Choose solar Christmas lights over electric
43. Do not put yourself in debt trying to make your house look like something you saw online. You don’t need to make people believe that you live in a European, snow covered cottage…
44. Are you a casual employee and does your work place close over Christmas? Make sure that you have funds saved up to cover essential living expenses over the Christmas break.
45. Do not put yourself into financial hardship for the sake of others. If you cannot afford to attend a Christmas function, it is ok to politely decline the invitation.
46. It is inevitable that there will be people out there that will spend more/less than you at Christmas. Remember to work within your budget this Christmas
47. The weather at Christmas time can be extremely hot. Consider doing a home energy audit on your air conditioner/cooling system to see the amount of electricity it uses and what it is costing you
48. For Christmas 2020, consider putting money away each fortnight into a separate bank account
49. Create a Christmas spending budget and keep track of food, presents, decorations, etc
50. Try to avoid using the money you would spend on essential living expenses (rent, electricity, etc) to pay for Christmas. This will catch up with you when Christmas is over.
The 31st of October is your last day to apply for the Cost of Living Concession. The Cost of Living Concession is an annual payment provided by the Department of Human Services, paid directly to you via electronic funds transfer (EFT) to help with the ever increasing cost of living.
Payments for 2019/2020 Financial Year:
· Eligible tenants will receive $105.40 by the end of March 2020
· Eligible homeowners will receive $210.70 by the end of December 2019
· Eligible homeowners who are self-funded retirees with a Commonwealth Seniors Health Card will receive $105.40 by the end of December 2019
If you previously received a Cost of Living Concession and you are a homeowner (or live in a retirement village or residential park) and your situation had not changed as of the 1st of July 2019, then you may have received your concession payment in August 2019
For more information about the eligibility criteria and how to apply, contact the Concessions SA Hotline on 1800 307 758 (9.00am to 5.00pm, Monday to Friday) or search for Cost of Living Concession on the Affordable SA App or at affordablesa.com.au
As Financial Counsellors we speak to many South Australians who are struggling with the everyday cost of living. If you are falling behind on your everyday living expenses (e.g. water, electricity, council rates, mortgage repayments, rent etc) call the National Debt Helpline on 1800 007 007 to speak to a free Financial Counsellor or search for the National Debt Helpline on the Affordable SA App or at affordablesa.com.au.
If you're having problems with your utilities such as electricity and gas or you want to learn more about what you are paying for, you should attend one of the Community Education sessions provided by ConnectED. Provides practical tips and information about energy usage and your bills.
There are many Free Produce Markets across Adelaide for people struggling with the cost of living.
Stalls of fresh fruit, vegetables, dairy products and baked goods are usually available for the community with a 'help yourself' approach, shoppers are encouraged to make healthy selections in a dignified and supportive environment. Some Markets have free coffee, cooking demonstrations and special activities. Most are open each week and others once a month. Check Affordable SA for details and links to specific sites.
The following are the Markets on this week.
Heart and Soul West - 67 Spring Street Queenstown - 6pm
Mount Barker Salvos from 12-1pm 14 Fletcher street Mount Barker
Heart and Soul Northern - Para Districts Masonic Centre 7-7.30pm - 77 Philip Hwy, Elizabeth South SA 5112.
Playford Salvos 9.30-10.30 - 39 Kinkaid Rd, Elizabeth EastSaturday
Heart and Soul - Two Wells Uniting Church (34 Gawler Rd, Two Wells SA - 11-11.30am
Heart and Soul - Hackham West Primary School (50 Glynville Dr, Hackham West SA 12.30-1pm
Freebie Hour Food - Clifton St, Blair Athol SA - 5pm
See the affordable SA Events page or look for specific markets or other food outlets under the Food category using the I need help with..." tool
Please bring your own shopping bags and take what you need.