Give time not money
Presents don’t have to equate to big bucks. Quite often loved ones prefer homemade personal gifts, like homemade jams or sweets, or even just giving your time (which is completely free).
Go to www.mse.me/ChristmasGiftCheques and print out a promise to someone like giving a ‘massage’ (nudge, nudge) for your loved one, babysitting or letting the kids have a sleepover (when allowed). So, pledge to do something nice, not spend.
Set up a Christmas cupboard
Work out now what you want to buy, then if you spot a bargain, you can pounce on it when there’s a code, voucher or discount that’s cheaper (ensure you get the weekly email at www.moneysavingexpert.com to tell you).
Even better, once you buy a present, bag it, wrap it, and pop it in a Christmas cupboard – gradually getting the chores done.