Find ways to avoid rental arrears at Christmas time

‘Tis the season to be jolly, but don’t let the holiday cheer overshadow your rent responsibilities.

Renters often face a financial juggling act during Christmas, balancing the lure of gifts, parties, and family gatherings with the obligation to pay rent on time.

We’re here to help you stay on top of your rental game and ensure a stress-free holiday season.

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Here are a few easy suggestions to get yourself ahead this year:

Get ahead with your payments to avoid rental arrears

Try to pay an additional week’s rent early in December, so you’re not caught out as Christmas draws closer. The festive season carries us away at the best of times, but if you’ve paid an extra week of rent in advance, it removes the burden of extra financial pressure.

1. Plan ahead to prevent rental arrears

Don’t let the festivities catch you off guard. To avoid the dreaded rental arrears, set up a solid plan. Allocate some of your budget towards rent, prioritising it alongside your holiday expenses. Here’s how to get started:

2. Get ahead with extra payments

One effective strategy is to pay an extra week’s rent in early December. This proactive approach ensures you’re not scrambling for funds as Christmas approaches. By paying ahead, you’ll reduce financial pressure and enjoy the season with peace of mind.

But why stop at just one week? Consider going a step further:

3. Ramp up your early payments

While paying an extra week’s rent is a great start, why not extend this further? If your budget allows, aim to pay two or even three weeks in advance. This can provide a substantial financial cushion, ensuring that you sail through the holiday season without a worry in the world.

4. Add a little extra each week

If paying a lump sum upfront isn’t feasible, consider adding a bit extra to your weekly rent payments during the lead-up to Christmas. Gradually catching up ensures you remain on track or ahead when the holiday season rolls around. No matter how small, a weekly contribution can accumulate into a significant buffer.

4. Open lines of communication

Communication is vital in any relationship, including the one you have with your landlord or property manager. If you anticipate financial challenges during the holidays, maintain an open dialogue.

Keep their contact details handy, so you can quickly reach out if needed. A proactive conversation can help you find solutions and possibly negotiate a temporary rent adjustment.

5. Nurture your landlord/agent relationship

A positive relationship with your landlord or property manager can work in your favour. Beyond financial discussions, maintaining a friendly rapport can lead to better support and understanding when facing challenging circumstances. When you can openly discuss changes in your financial situation or give them a heads-up about potential rent delays, you’re more likely to resolve issues smoothly.

6. Mind your rental ledger

Think long-term by managing your rental ledger diligently. A positive ledger can boost your rental application for future homes and even improve your prospects for mortgage applications when you decide to buy a house. Keeping detailed records of your rent payments can be valuable to your financial journey.

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7. Don’t ignore rent reminders

When your landlord or property manager sends you a rent reminder in November or December, it’s not an inconvenience; it’s a proactive step to prevent problems. Take it as a friendly nudge to stay on top of your finances and reduce stress when you’d rather be enjoying the season.

In the end, the holiday season should be about celebration and joy. Don’t deprive yourself of festive fun, gift-giving, and quality time with loved ones. Instead, plan ahead, budget wisely, and ensure that your rent remains a top priority.

By adopting these strategies, you can have your Christmas cake and eat it too, all while keeping rental arrears at bay. Enjoy your well-deserved holiday celebrations! is Australia's largest company dedicated to renters and is owned and operated by ASX-listed Limited (RNT:ASX). For over 15 years, has exclusively focused on making renters' lives easier by making it easier to find a property, secure it, move in and pay rent.