I have had a fugal summer, unfortunately paying off debt on my credit card. We didn't do any paid activities, so it was all parks, walks, no lunches out , no icecreams ( although a friend did buy us one) and no snacks out. I have two DC one school age, one toddler. I only spent £6.50 in total on bus/ train, mainly tried to avoid this and park and walk or just walk everywhere 😂 🙌 No holiday, but it was a bit flat and no I really want to make Christmas special. It's having something to look forward to. Christmas Day will be low key and minimal, no idea on the present find either 😬I just don't want to get in the same situation again, I need to stop myself spending. Been wanting to do Lapland Uk for past few years and also a train ride as my DS adores trains. Just these things are so pricey.
I can't increase work hours as doesn't balance with childcare costs. DP working as much as possible, still some effects of Covid in his industry, he's self employed.
How do I stop myself splurging and then ending up in a cycle of debt again? I need to find free Christmas stuff, does this exist ?