There are only

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until Christmas




Top tips for shopping this Christmas

  • Make a budget and stick to it, this is the simplest, yet most effective tip to help you control your Christmas spending. By writing down how much you plan to spend on presents, food etc, it becomes much easier to resist impulse spending on unnecessary extras.
  • Keep the receipts and write 'gift item' on these. Legally, only the person who bought the gift has rights, so the recipient can't exchange. Many shops ignore this, but for safety, use a gift receipt or get the shop to write on its copy of the receipt, and yours, that it's a gift and who it's for. Rights are then transferred.
  • Bag 5% off ALL Christmas shopping. Cashback credit cards pay you every time you spend on 'em. You grab one, set up a direct debit to repay in full every month so it's interest-free, and to boost the gain, use it for all spending.