How can you Save Money this Christmas?

Christmas is fast approaching and many of us are starting to panic a little bit at a) how close it is and b) how much the whole thing costs. However, even though we’re getting closer to the big day, there are still lots of things you can do to save money. From using credit cards wisely to taking advantage of the early sales, if you’re careful, this Christmas doesn’t have to break the bank.

Hit the sales
We usually associate the sales with the post-Christmas period, but this year many major retailers have kicked things off early to try and boost business. Some have got very good deals on, so it’s worth going for a rummage to see what you can pick up cheaper than normal.

Plan your pay-off
It’s a fact of life that many of us pay for Christmas on our credit cards and then get hit with the bills in January. There’s nothing wrong with this, but in order to limit the amount of interest you have to pay on your purchases, it’s worth thinking carefully about the benefits of credit cards to make sure you get the best possible deal (interest free or balance transfer cards can be useful for this).

Be strict with yourself
Christmas is normally a time of year for indulging ourselves and, let’s face it, probably overdoing it a bit. A little bit of self-discipline can make a big difference without you having to lose out. For instance, take a look at all the people you buy presents for. Chances are, some of them could be cut off your list, or organised into a Secret Santa so you only have to buy one present rather than lots.

Look for deals
Just as you would at any other time of the year, keep an eye out for good deals close to Christmas. For example, you can occasionally find deals such as £25 worth of vouchers for £20, or 3 for 2 offers that could take care of multiple presents – and also help to take care of your wallet.

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