Lay-by can be an effective tool for managing Christmas and birthday purchases for low-income families. Families can plan ahead and make purchases by instalments but should check any fees or cancellation charges.
Some commercial organisations run hamper schemes where fortnightly payments are directed towards a Christmas hamper at the end of the year. While some families find this a helpful way to save, the value of the hamper is less than it would cost to buy the items at a supermarket, and there is limited choice about the contents.
Family workers who are running parent support groups may encourage group discussion about how different families manage the financial pressures of Christmas or other celebrations. Families may find it easier to stick to their resolve regarding limiting spending if they know other families are doing the same. They may also find it helpful to share other’s tips.
