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Top tips to save money in the festive season

As we get closer to Christmas, money is at the forefront of many people’s lives.

There can be lots of pressure on families to spend extravagantly and buy the biggest, most expensive presents.

But there are ways you can make the festive fun more affordable, and our Money Advice Team has put together some top tips.

Don’t get into debt

The most important advice is not to feel that debt is your only option. Remember that children need a home more than they do the latest gadget, so only spend what you can comfortably afford.

Use cashback sites

When buying presents and items for Christmas, use cashback sites so you earn extra cash for yourself. TopCashBack and QuidCo are just some of the top cashback sites you could use.

Keep a list

Keeping an up-to-date list of what you need to buy is vital. By crossing things off as soon as you buy them, you’ll avoid duplication and know you’re only buying what you need. Try to buy a few items that’ll keep as you do your regular shop to spread the cost over several weeks rather than bigger shops nearer the day which will be a bigger shock to your budget.

Look for deals and use discount retailers

Lots of shops will have offers in the run up to Christmas, whether in-store or online. Always check that they’re value for money, but these can be a way to save some money. Discount shops such as B&M, Home Bargains and Poundland have good basics and you could make hampers with things like toiletries, sweets, snacks, tins, tea, coffee and biscuits from these shops.

Secret Santa with the family

Secret Santa with the family

If you really need to do Christmas on a budget, agree to do a Secret Santa at home. Set a budget, draw names out of a hat and buy a present for your chosen person. This way, you’re not pressured into buying a gift for everyone. This is particularly helpful in larger families.

For more information, or to get in touch with our Money Advice Team or call 0800 111 4013 and press option 2 for the Income Team

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