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It can be a very difficult time of year for many people. But does Christmas necessarily need to destroy your bank balance? Or can you take steps to have a more frugal festive holiday?

I have been celebrating the Christmas season for over 30 years now, and one thing I’ve learned over that time is Christmas is about one thing. And that is being surrounded by the people you love (and eating way too much food).

So you really don’t need to spend a fortune to have a fantastic Christmas, and these 4 ways will demonstrate how you can do frugally and for less cash.

Recommended article: 12 Days Of Spectacular Frugal Christmas Tips

Plan Ahead of Time
You should consider running your Christmas like a business. I don’t mean you need to fire Grandpa for falling asleep after dinner, but instead, keep a tight watch on the spending.

And the best way to manage the Christmas finances is to plan, and in order to do this successfully, you need to start early.

The more planning you do the more money you can save. Much like a business would, you should ensure you have everything planned with military precision. That way you are left without costly last-minute surprises.

And the more time you have to plan, the more creative with your spending you can be. You could even start thinking about making some gifts yourself, experimenting in the kitchen, or even getting your gift wrap and crackers the year before.

Did you know gift wrap and crackers are usually 75% less than retail price just a few days after Christmas day?

Save the Year Before
If you really want to have a positive impact on your finances start setting aside money for Christmas the day after. And yes I mean the day after Christmas for the following year. A little saved often is far less impactful both on a physiological and practical level.

It also means that you can afford some treats over the festive period. It is all well and good living frugally, but everyone needs to let their hair down with a drink and something nice to nibble on once in awhile.

Set aside a few dollars each week over the course of 50 weeks building up to Christmas. Even saving just $10 a week will give you a nice $500 package for the holidays.

Shop Smart
When you’re thinking about Christmas gift ideas you should make sure what you are buying is not too expensive. Don’t get carried away and try to think outside the box.

Practical gifts are often way more affordable.

And let’s be honest, far more useful in the long term.

You don’t necessarily need to buy socks and pencils, but something that is useful will be much better and definitely worth the money you do have to spend.

Recommended article: 13 Wonderfully Awesome Christmas Gift Ideas For Men

Cashback
You can’t escape the fact that Christmas is a time of year when you need to spend money. But if you really want to be frugal, then make sure you are getting some of that money back.

Cashback is a great way to get back 2-10% of the total purchase price – and there are countless providers offering this service.

TopCashback has been one of my favourites for many years now.

And if you need to spend the money anyway, you may as well get something in return. If you are spending a total of $1000 on gifts over Christmas, and you are able to get an average of 5% back for all purchases, then that’s $50 for your wallet.

And you can always double down on the savings by searching for discount codes and promotional offers as well.

It truly is a lot easier to have a frugal Christmas than you may think.

Arriving and staying in the city of Mumbai is a very rewarding experience for the people especially if they are planning their stay in a very good quality hotel. There is no need to worry because Mumbai is a city that is inclusive of different kinds of hotels that are ultimately successful in terms of providing the people be top-notch quality facilities and features and one such great hotel is Taj Mahal Tower Mumbai. Staying into Taj Mahal Hotel is a dream of many people because of multiple reasons and some of those reasons why people prefer this particular hotel are mentioned as follows:

Suggested article: Taj Mahal Tower Mumbai Hotel Price, Address & Reviews

The hotel comes with a worry-free experience for the guests: In case the people have to choose everything about the trip on their own for example transportation, stay and several other kinds of things then it can be a very tiring experience. But whenever one will go with the option of allowing the hotels to choose and arrange the transportation then one can enjoy a very worry-free trip very easily. The moment when the people will be walking outside they will find the hotel the person of hotel staff holding the placard and they will escort to the transportation being arranged by them. The hotel is very much successful in terms of enhancing the experience for the people so that all the guests can have a worry-free experience because this particular hotel always pays proper attention to the demands of the guests.
The welcoming experience is too good: The moment when the people will walk through the door of the hotel they will be witnessing one of the finest and largest hotel companies of India as well as Asia. Staying in this particular hotel is a very good experience and the people will be greeted with chilled towels, the tastiest non-alcoholic welcome drink, and the flower lei.
It comes with a high-quality museum and art collection: The hotel also pays proper serious attention to the best quality art collection and everywhere people will be looking there will be a masterpiece in the form of painting, sculpture, or artifact and the best part is that everything has been created by the Indians only. There are more than 300 pieces in this particular hotel and along with all these kinds of things; the hotel is itself no less than a tourist destination. Hence, whenever people will plan their stay in this particular hotel they will be availing multiple advantages in the long run.
The rooms are amazing: Every room comes with beautiful new interiors and there are different kinds of categories of rooms and each one of them is ridiculously beautiful. Every room has been designed differently so that people have a top-notch quality experience all the time. The architecture has been paid proper attention and the interior design provided by the hotels is amazing. Hence, whenever the individuals are interested in avail the advantages of best quality interior designing they must go with the option of staying into this particular hotel so that they can enjoy on the trip.
The food is breathtaking: The hotel comes with 11 restaurants and 24 hours of room service for the people. The on-site restaurants are many and they help in providing the people with different kinds of cuisine options, for example, Arabic, Japanese, Mediterranean, western dishes, Indian, Chinese, French, Italian and several other options so that taste buds of every guest are perfectly satisfied and there is no issue to any of the guests in the form of food items. Hence, the variety and flexibility provided by these kinds of cuisine options are top-notch.
The hotel comes with the best service in the industry: Taj hotels are well-known across the globe for the hospitality and services provided by them and Taj Mahal Tower Mumbai is also a very important member of this list. This particular hotel treats their entire staff very well and most of them have been working here for many years and are very much happy. The waiters serve the breakfast perfectly to the people and one will get everything which one normally expects at a five-star international hotel breakfast buffet. Hence whenever the people are interested to take the best possible advantage of top-notch quality hospitality and different kinds of services then depending upon staying into this particular hotel is very much important. To have proper access to delicious and authentic Indian dishes you must plan your stay in the Taj Mahal Tower Mumbai.
The hotel comes with a very good pool: Whenever the individuals are interested to relax and enjoy a good time with them then they can take complete advantage of the pool and several other kinds of facilities provided by the Taj hotel. Taking a dip in the pool is very much relaxing and the best part is that people can even go to the gym after it. Hence, this point is very much successful in terms of making the vacation the best possible experience for the people.
Everybody prefers to stay here: Another very important reason why you should plan your trip to stay in this particular hotel only because this hotel is the first preference of all the celebrities and heads of the states and many of them have already stayed over there. The list is very long and includes President Obama, Secretary of State Hillary Clinton, John Lennon, Oprah Winfrey, and several other famous personalities. Hence, witnessing great interior and architecture is a great idea with the help of this concept and you must always fulfill your overall dream of staying it to a very lovely place by booking a room in Taj Mahal Tower Mumbai.
The location of the hotel is too good: The Taj Mahal Palace is located at the most famous landmark of the city which is the Gateway of India and everything else worth checking in Mumbai is only 10-15 minutes taxi ride from here hence, the prime location of the hotel is a great reason why you should prefer booking a room here.
Hence, for your next trip if you are planning to visit Mumbai then you must book a room in Taj Mahal Tower Mumbai to avail of all the above-mentioned advantages.

Garden benches are so much more than a place to sit. Available in a wide range of materials it’s easy to find one that suits your specific tastes and needs. They also can not only serve to provide you with a great looking focal point, or garden accent, but also can be used to balance and even help define your garden space as well.One reason so many people love garden benches is that there is just such a huge variety. Most people only associate a garden bench with a metal bench yet don’t realize that there are so many different types available. A metal garden bench can actually be made from iron, aluminum, copper, as well as other types of metal too. These can be as ornate or as simple as you like. For a more natural look many homeowners go with a wooden garden bench. These can range from Oak, Teak, or Pine, to something like Eucalyptus. All of these can add a natural charm and appeal to your garden. There are also many different types of stone benches and a wide variety of plastic garden benches too. Whether you prefer a man-made or natural material there is something for everyone and every garden space.Garden benches are also perfect for providing a great looking focal point or even a more subdued accent to your garden. They work so well at both of these because of the huge variety available. Many homeowners opt for their bench to be their focal point which typically means an ornate metal garden bench, but the choice of material is yours. Depending on your garden there are many types which can work well to give you a focal point which not only matches the style of your garden but calls attention to itself as an object of beauty as well. And of course all the while providing you with a place to sit and enjoy your great looking garden at the same time. Using one to accent your garden space is just as easy because all you need to do is find a bench which goes with the feel, look, and style of your garden and you’re golden. Many homeowners choose to go with a simple stone or wooden bench as an accent to enhance the beauty of their garden because they are extremely good looking but also because they are simple looking enough that they don’t demand all the attention.Another reason so many people decide to purchase a garden bench is actually one which a large number of homeowners and gardeners often overlook the importance of, or don’t think of at all. And that reason is balance. So many people tend to work very hard on one aspect or area of their garden that they completely forget about the look of their space as a whole. This often means that they end up with one fantastic looking section in their garden but nothing else. A garden bench can provide balance to this space by making your garden look much more even and well rounded. An added bonus is that at the same time it can help to define the boundaries of your garden space too. Balance is always much more pleasing to the eye and will also make your outdoor space look exponentially better when viewed as a whole.With such huge array of materials and styles available which can provide you with a gentle accent or striking focal point it’s easy to see why so many people love garden benches. This especially true when they can provide balance and help to define your outdoor space at the same time. Who would have thought a place to sit could be so versatile?