Ady Suter Financial Adviser’s Post

Looking for a smart way to manage Christmas Day lunch expenses while hosting your extensive extended family? 🎄 Consider splitting the cost with family and friends! This approach not only eases the financial burden but also brings you together and creates those lasting memories. Each person or family can contribute by bringing starters, main dishes, or desserts, drinks making it a collaborative effort. Here's to a budget-friendly and joyful holiday season, free from the stress of shouldering all the costs alone. Remember, you don’t have to pretend to be Father Christmas! Everyone understands the challenges we’re all facing today. Let’s celebrate but keep it manageable and stress free! #Christmaslunch #Moneytips #Christmas #Budgetfriendly #Familytime #Personalfinance #MMwithNimi #Moneymatterd

The holiday season is finally here!🎄 Let’s make this season joyful and financially sound with these holiday budgeting tips: 1. Set a Budget: Determine how much you can comfortably spend on food, gifts, décor and travel. Do your best to stay within the budget! 2. Make a list and check it twice: Write down all the people you plan to get gifts for and specify how much you plan to spend. This will help you stay organized and most importantly stay within the budget! 3. Shop Early: Take full advantage of sales and discounts that happen during this time of year. Compare prices online to find yourself the best deal. 4. Plan Your Meal: Plan out the menu in advance so that you can look for sales on ingredients. Also, consider potluck-style gatherings to split the costs. 5. DIY Decorations and Gifts: Get together with friends and family and make your own gifts, cards, and decorations. Handmade gifts are cost-efficient and more importantly, more fun and meaningful! #HappyHolidays #HolidaySpending #FinancialPlanning #SmartSpending 

I’ve only just recovered from the Christmas market experience. We made the annual family pilgrimage to a Christmas Market recently which was magical. Imagine twinkling lights, the scent of roasted chestnuts, the joy of holiday shopping with two overexcited small humans, cheeks rosy from the chilly evening air, and they’ve just asked for a hot chocolate coating SIX QUID and a hot dog that’s just shy of TWELVE!!! Yes, the hot dogs were £11.49! It's understandable that vendors need to cover costs and make a profit but the skyrocketing prices of food and goods at Christmas markets is becoming a major turn-off for us. What was at one time a family tradition is all too often overshadowed by the shock of inflated prices. I can’t help feeling that this “overpricing” will lead to a decline in foot traffic and dampen the Christmas spirit that these markets are meant to foster. Christmas markets bring joy and togetherness and they should be inclusive for all people, so let’s not kill the golden goose of it by prioritising profit over the experience and make it unaffordable for regular families to attend. If the hot dogs had been half the price, I guarantee that they’d have sold twice as many! We should advocate for fair pricing that keeps the magic alive for everyone. After all, the true spirit of Christmas lies in sharing moments and making memories, not in overpaying for a plastic cup of luke warm wine. What are your thoughts on this? Have you noticed the price hike at your local Christmas markets? 🎁❤️ #ChristmasMarkets #Community #FairPricing #HolidaySpirit

🍁 **Celebrating Canadian Thanksgiving this weekend!** 🍁 This morning, I’m sharing one of my recent blog posts on **Thanksgiving Dinner Budgeting Tips**. To my surprise, this has become one of my most popular posts! With grocery prices (and everything else) on the rise, it’s no wonder so many people are looking for ways to stretch their budgets while still enjoying a memorable holiday meal. If you’re feeling the pinch and want some helpful tips, take a look at the blog. Let’s make the most of this Thanksgiving weekend without breaking the bank! With gratitude ... #Thanksgiving #BudgetingTips #CanadianThanksgiving #HolidayPlanning

Plan Your Holiday Meals & Save Big! 🎄🍽️ The holidays don’t have to break the bank! Planning your meals in advance is the secret to staying on budget. Shop smart by buying in bulk, creating a detailed grocery list, and avoiding those last-minute runs. You’ll have everything you need to create a festive feast without the stress of overspending! #SaveMoney #MealPlanning #BudgetFriendly #HolidayFeast #SmartShopping

Repost: Money Matters with Nimi BUY IN BULK AND SHARE THIS CHRISTMAS! As Christmas draws closer food prices are going up and up!. One effective way to save is by bulk buying essential items. However, it’s important to remember that purchasing in large quantities can lead to waste if you don’t share with others. Consider creating a list of friends, family, and colleagues who might be interested in sharing the cost of bulk items. You can easily split the expense of essentials like rice, beans, chicken, turkey, cooking oil, and other non-perishables that can be stored. This is also a wonderful opportunity to give back! Consider sharing some of your bulk purchases with your office staff, household helpers, and friends or relatives who may be facing financial challenges this Christmas. With prices already on the rise and likely to increase even further in the coming days and weeks, now is the time to complete your bulk shopping before the last-minute holiday rush. Let’s make this season of giving in every sense. #Shopsmart #sharethejoy #giveback #holidays #christmassavings #december #moneymatters #financialwisdom #seasonofgiving #personalfinance #mmwithnimi

Are you preparing to host guests this festive season? ❄️ If so, you won’t want to miss these hosting tips: 1. Instead of scrambling to get your home ready last minute, start your preparations now. Know what you want to cook and start stocking up on non-perishables early. Ensure you know how you want to set the table and that you have enough cutlery. Consider how you will keep everyone (including children) entertained. And source any home accessories you need in order to make your guests feel comfortable, from cosy winter bedding to pouffes or floor cushions. Shop now at homescapesonline.com 2. Set yourself a budget. Be aware that you are likely to spend more than you would if you were not hosting. According to the IPA, the average British consumer expects to spend almost £600 on core Christmas-related products and activity. Whether your budget is higher or lower, you do not want to get a shock when you check your bank account in January. 💸 3. Don’t be afraid to ask your friends or family for help. If everyone contributes a dish for dinner, it will take the pressure off of you to buy and cook everything. Or if you are a bed short for overnight guests, see if anyone has an airbed they can spare. Simple requests can go a long way. #BestAdvice #FestiveSeason #ChristmasShopping

BUY IN BULK AND SHARE THIS CHRISTMAS! As Christmas draws closer food prices are going up and up!. One effective way to save is by bulk buying essential items. However, it’s important to remember that purchasing in large quantities can lead to waste if you don’t share with others. Consider creating a list of friends, family, and colleagues who might be interested in sharing the cost of bulk items. You can easily split the expense of essentials like rice, beans, chicken, turkey, cooking oil, and other non-perishables that can be stored. This is also a wonderful opportunity to give back! Consider sharing some of your bulk purchases with your office staff, household helpers, and friends or relatives who may be facing financial challenges this Christmas. With prices already on the rise and likely to increase even further in the coming days and weeks, now is the time to complete your bulk shopping before the last-minute holiday rush. Let’s make this season of giving in every sense. #Shopsmart #sharethejoy #giveback #holidays #christmassavings #december #moneymatters #financialwisdom #seasonofgiving #personalfinance #mmwithnimi

It's time for another #FinancialTipTuesday! This week, we're talking about how to save money on spring break. ☀️ To help keep your wallet happy over spring break, here are 3 tips for saving money: 💰 Set a daily spending limit: This will help you ward off temptation from impulsively buying souvenirs. 💰 Think like a local: Avoid the more expensive, tourist-trap areas of your destination by dining and engaging in activities like a local. 💰 Consider traveling in a group: This means you can split the costs of transportation, accommodations, food, and more. We're wishing you happy and safe travels this spring break!

BUY IN BULK AND SHARE THIS CHRISTMAS! As Christmas draws closer food prices are going up and up!. One effective way to save is by bulk buying essential items. However, it’s important to remember that purchasing in large quantities can lead to waste if you don’t share with others. Consider creating a list of friends, family, and colleagues who might be interested in sharing the cost of bulk items. You can easily split the expense of essentials like rice, beans, chicken, turkey, cooking oil, and other non-perishables that can be stored. This is also a wonderful opportunity to give back! Consider sharing some of your bulk purchases with your office staff, household helpers, and friends or relatives who may be facing financial challenges this Christmas. With prices already on the rise and likely to increase even further in the coming days and weeks, now is the time to complete your bulk shopping before the last-minute holiday rush. Let’s make this season of giving in every sense. #Shopsmart #sharethejoy #giveback #holidays #christmassavings #december #moneymatters #financialwisdom #seasonofgiving #personalfinance #mmwithnimi