This is one of the videos we produced with the Central Bank of Malta in our budgeting series.

Download the Central Bank of Malta and ĠEMMA Video on ‘Managing my Xmas and New Year spending’ by clicking here.

Let me introduce the ĠEMMA family.  I am Tony.  I am Maria’s husband.  I work as a manager in a large business in the services industry.  My wife, Maria is 40 years old and works in her father’s family business.  We have two kids:  Matthias, our son who is 11 years old, and is now in secondary school, and Angele, our daughter who is 17 and finishing upper secondary school this scholastic year.

Download the ĠEMMA My Baby Planner by clicking here.

The winter clearance sales started this week.  I asked Angele whether she wants to come shopping with me for the Christmas presents. Angele responded, “Do you know it is still October?”

Christmas shopping requires budgeting and planning like everything else.  Otherwise come you have to pay hefty prices.   Well – I organise my Xmas shopping as follows:

  • In October, in the Autumn sales I buy branded sports stuff for half the price they would have been a week or so ago for Matthias.
  • In April, following the winter clearance sales I buy branded beautiful winter – again for half the price they would have been a week ago.  Every year renders them a year older, and frailer, and this way I buy good quality winter clothes to keep them warm in long winter nights for a bargain.
  • Black Friday, I browse around and buy your presents and a treat for myself.
  • And on Cyber Monday, I buy Tony’s present.

Quality presents for all, which would cost me at least double the price had I to leave shopping till the last day.  Do I know its October?  Of course! View this ĠEMMA video by clicking on the above – and learn about more on how to budget you family’s shopping and more. 

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