Top tips on how to save money this Christmas

There's no escaping it, buying Christmas presents for your family, friends, (and even the dog) is expensive! These tips are practical but you'll see the difference in your wallet in January if you can make them work for you.

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Start early Make a list Set a budget Make a plan Reward yourself

Avoid stress Shop around Shop online Buy wrapping paper and cards last

• Start early
  Spreading your finances over a few months is more effective and... and you will avoid the last minute rush.



• Make a list
  List who you would like to buy presents and what you might buy or what they have asked you for.



• Set a budget
  Budget how much you'd like to spend for each person.

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• Make a plan
  Plan which presents you will buy by certain dates.



• Reward yourself
  Each time you stick to the plan you've made.



• Avoid stress
  Buy a few easy presents as you look for the more complicated presents.

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• Shop around
  Compare prices before you buy to make sure you don't pay over the odds!



• Shop online
  Have everything delivered to your door and avoid the queues.



• Buy wrapping paper and cards last
  Most stores start discounting in the last week before Christmas to shift stock.
• Enjoy it
  Relax in the run up to Christmas while everyone else is running around trying to get organised!

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