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Holiday, Vacation & Weekend

 

The Christmas Holiday, Vacation & Weekend

Everyone loves the holiday season. It is a chance to spend time with family and friends and have a break from the everyday routine. The Christmas holiday is a time for decorating the house and filling it with smells of mince pies. Young children get excited at the thought of all those presents waiting to be opened under the Christmas tree. Preparations can be hard work for those in charge but it is all worthwhile.

Planning in advance is the key to a successful and stress free Christmas holiday. Shopping for gifts at the last minute is a sure fire way to raise the blood pressure! Many people shop by mail order or on the Internet in order to beat the crowds. The only last minute shopping that needs to be done is perishable food items. Christmas dinner can also be prepared in advance to a degree with the aid of the freezer. The cook should leave other family members to do the dish washing afterwards!

Most people like the traditional way of doing things and that includes decorating the tree on Christmas Eve. Some people also like to attend church on Christmas Eve and the carol service can be a moving experience, setting the mood for the Christmas holiday. Christmas dinner is usually turkey with all the trimmings. Turkey can be dry, so it's a good idea to have a stuffing with apples and sage and plenty cranberry jelly. Roast potatoes, mashed potatoes, sprouts, bread sauce and thick gravy are the perfect accompaniments followed by Christmas Pudding and brandy butter sauce. For those preferring something less rich, cheese and crackers is ideal.

Deciding what to buy children can be difficult. There is so much choice but many parents are on a budget. Young children will often spend more time playing with the gift wrapping than the actual present! The little gifts put into the Christmas stockings are sometimes, the most appreciated. Whatever the present, the thought of Father Christmas coming down the chimney is the highlight of the Christmas holiday.

It's tempting to overindulge in food and drink during the festive season. Membership of fitness gyms tends to go up during the month of January with everyone desperately trying to lose the pounds they gained over the Christmas holiday. Drinking too much is more of a serious problem, especially at the office party. No one wants to start the holiday with a hangover!

 

Christmas Costumes For Your Holiday Party Or Event

Christmas is a festive time of year. There are parties and celebrations lasting from the day after Thanksgiving right up until New Year's. We shop for presents, attend parties, and host our own celebrations. Christmas costumes are an important part of the season. What would a mall visit be without seeing the occasional Santa Claus or Christmas elf walking around or posing for photos?

A party that involves children really wouldn't be complete without certain festive costume...

christmas costumes, santa claus, santa costume, costume ideas

Christmas is a festive time of year. There are parties and celebrations lasting from the day after Thanksgiving right up until New Year's. We shop for presents, attend parties, and host our own celebrations. Christmas costumes are an important part of the season. What would a mall visit be without seeing the occasional Santa Claus or Christmas elf walking around or posing for photos?

A party that involves children really wouldn't be complete without certain festive costumes. A visit from Santa Claus is always welcome, especially if he has presents.

If Santa needs a helper, elves can also be fun. You can even find costumes for reindeer, Mrs. Claus, and other familiar Christmas characters such as Frosty the Snowman or The Grinch from How the Grinch Stole Christmas.

And, a list of Christmas characters wouldn't be complete without considering the scenes from the nativity. Churches throughout the world reenact the event of Christ's birth and all the characters involved including the angels, baby Jesus, Mary, Joseph, and the Wise Men need to be represented. Christmas costumes for the various barnyard animals that may have been present are also a must.

Most of the Biblical Christmas costumes seem to be homemade. Some Sunday school classes turn this into a project. But, Santa Claus costumes and other Christmas costumes are usually rented. The fabrics are often difficult to find and the costumes are only used for a short time. Of course, if you are a department store Santa, chances are the store will provide your costume for you.

While you might not think of Christmas as being a traditional "costume time of year", Christmas costumes are actually quite common. There are even Christmas-themed costume parties that happen around this time of year. It's fun to dress up at any time of the year, not just Halloween. And dressing up isn't just for kids.

Remember that Christmas time is festive and there are costumes present all the time. If you are interested in finding Christmas costumes, you can either make them or rent them. Costume shops have plenty of choices.

You may need to reserve that Santa suit in advance, though. They're popular.

 

Loans Are Not Just For Christmas. Surviving The Holiday Debt Hangover.

Christmas is coming - A time for decorations, songs, over-eating, gift giving, visiting the family, consumer spending and the increasing of personal debts. Bah humbug.

While most people see Christmas as a joyful period there are many who see it as a time of financial worry as they cannot afford to buy presents for everyone. For these people it is often the doorstep lenders who will be getting fatter rather than them and their family. The temptation is to simply put the exp...

Personal loan, personal loans, loans, unsecured loan, secured loan, Moneynet, moneynet.co.uk

Christmas is coming - A time for decorations, songs, over-eating, gift giving, visiting the family, consumer spending and the increasing of personal debts. Bah humbug.

While most people see Christmas as a joyful period there are many who see it as a time of financial worry as they cannot afford to buy presents for everyone. For these people it is often the doorstep lenders who will be getting fatter rather than them and their family. The temptation is to simply put the expenses on the credit card or take out a loan to be paid back on the never-never. Unfortunately this can lead to disastrous results in the long-term, as the recent increase in the number of repossession order applications are testimony.

There are a few simple rules can help to prevent a post festive period financial hangover though.

Firstly, don’t ignore the problem. The longer you leave a debt problem, the worse it will become.

If things seem desperate then contacting a free organisation such as National Debtline (0808 808 4000) can help by giving debt advice over the phone, or by providing booklets and fact sheets, as well as helping to set up personalised debt management plans.

Next, maximise incomings and minimise outgoing expenditures. Look out for anywhere costs can be reduced. Online retailers don’t have to pay for expensive premises, and so buying presents online rather than in the shops is often a great money saver. Be alert for shop sales and make the most of them.

If you already have debts, then you need to be wary of borrowing more money without some serious consideration and qualified professional independent financial advice.

Taking out a low rate secured loan to cover previously unsecured debt may seem like a sensible idea, however, should you fail to meet the payments you could lose your house. If you have unsecured loans, your home may not be safe either. Debt counselling charities have recently become increasingly alarmed regarding a growing trend by some of the high street lenders to issue “charging orders” on borrowers’ homes in order to recover bad debts. This means that by going through the courts, the lender can change an unsecured loan agreement converting the debt to be secured on the borrower’s house, whilst still charging unsecured interest rates. A consolidation loan may seem sensible; however this will mean borrowing more money, over a longer period this will mean more interest to pay in the long run.

If you decide to take out a loan, then you need to ensure that you are getting the best rate that is available. The big banks like Barclays ( http://www.barclays.co.uk/loans-index/ ) have online facilities showing their current rates , and other online finance companies such as Moneynet ( http://www.moneynet.co.uk/loans/index.shtml ) provide free facilities to compare rates for hundreds of secured loans, unsecured loans and even adverse loans.
Never use a doorstep lender no matter how desperate things seem. Radio 4's Money Box recently highlighted the plight of people in Southampton where the typical doorstep lender’s APR was a massive 177%. For people on low incomes trying to regain control of their finances, this will lead to further problems and cause existing debt to spiral out of all control. Recent initiatives for people who have had problems getting affordable credit, known as Community Development Finance Institutions (CDFIs), have started springing up around the country. These are funded by a collaboration of public and private money including some of the major banks, and specialise in providing personal adverse loans and small business loans to people who have previously been turned down by the banks. CDFIs usually charge an annual interest rate of up 24%, which is higher than many standard non-adverse high street loans due to the increased levels of risk and additional advice involved with this kind of lending but it is also much lower than the unregulated alternatives.

When you look at paying off existing debts, you need to decide which are the most important and deal with your priority debts first. Ensure mortgage and rent bills are covered first, next pay off essential utility bills and council tax, before trying to pay off any unsecured loans.

As well as reducing any monetary outgoings, it is also important to ensure that you are getting all the incoming money that you are due. Checking with the local Citizens Advice can be useful for help on debt, benefit, housing, legal, discrimination, employment, immigration and consumer issues. They will be able to advise you on most areas of concern, including whether there are any government payments to which you could be entitled.

Debt problems can seem insurmountable at the best of times, but over the Christmas period it can become completely overwhelming. Start by maximising your incomings, minimising your outgoings, and careful budgeting and purchasing. Ensure you are getting the best loan rates through free online information comparison at sites like Moneynet, and speak to free independent advice services like National Debtline and Citizens Advice; it is possible to retake control of your finances and have a happy Christmas.

Disclaimer:
All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986.

You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.

Useful resources:
Moneynet loan comparisons ( http://www.moneynet.co.uk/loans/index.shtml )
Barclays loans ( http://www.barclays.co.uk/loans-index/ )




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