Prepare Christmas now to enjoy it later INFOGRAPHIC

Fact-checked: Reviewed by Captain Cash Editorial Team, Captain Cash editorial team. November 25, 2015

This article is for informational purposes only and does not constitute financial advice. Loan approval is subject to eligibility. APR 23%. Borrow responsibly.

The leaves are turning red, kids are working on their Halloween costume and you can find pumpkin flavored-treats on every corner. You might not know it but now is the perfect time to start planning the holidays.

You can make great savings by planning your Christmas all year long and by using some simple money hacks to save money on gifts but also on food and plane tickets. Discover how!

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Marcus Bellamy

Certified Financial Educator (CFE) · Personal Finance Coach

Marcus Bellamy is a Certified Financial Educator (CFE) with over 11 years of experience helping Canadians navigate short-term borrowing, debt management, and personal budgeting. He has coached more than 2,400 clients across Ontario, British Columbia, and Atlantic Canada, with a focus on practical strategies for people living paycheck to paycheck. Marcus began his career as a credit counsellor at a non-profit financial literacy organization before transitioning to independent coaching in 2016. His work has been cited in personal finance guides distributed through community credit unions across Canada. At Captain Cash, Marcus reviews and contributes content on responsible borrowing, loan repayment planning, and building financial resilience. All articles he authors are reviewed for factual accuracy against current Canadian lending regulations and APR disclosure standards.

Prepare Christmas now to enjoy it later

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