The date doesn’t change Christmas Day is always the 25th December.

Do you find it comes around too quickly, catches you unawares or are you sorted by September?

For those who are ready except for the food shopping well done have a well earned rest, for those you who haven’t started yet there is still time to plan.

As of today, 25th October there are 91 sleeps until Christmas you don’t have to spend all of those tossing and turning and worrying.

If you are paid monthly then you have 2 pay days before Christmas. Work out how much you need for presents, Christmas parties, food, decorations etc and if you can put the money by for each of those months. If you have an instant access savings account transfer the money into there each month so you won’t be tempted to spend it on non-Christmas purchases.

If you realise you don’t have enough money to cover everything, review you list. Maybe consider attending less Christmas parties, invite people to yours and ask everyone to bring a bottle of what they like and some food.

When it comes to presents, is there anyone you can take off the list? Agree an affordable limit with your family and friends. Do you mail Christmas cards, consider sending online to save on postage and the cards.

Make money from your money. Supermarket saving cards/stamps

Asda online Christmas savings card

If you save £49 you get £1 bonus, save £97 get £3 bonus, save £144 get £6 bonus. You will have to have saved enough for the bonus by 5pm Sunday 12th November 2017. You can have more than 1 card. So on Sunday 12th November prior to 5pm you could load £144 and on Monday 13th November after 8am you will have £150 to spend on Christmas shopping in Asda.

Morrisons More Card Christmas Saver Scheme

If you save £49 you get £1 bonus, save £97 get £3 bonus. You will have to have saved enough for the bonus by 31st October 2017. You must spend the vouchers between 6th November and 31st December 2017. You are limited to £97

Tesco Christmas saver

If you save £25 – £49.50 you get £1.50 bonus, if you save £50 – £99.50 you get £3 bonus, if you save £100 – £199.50 you get £6 bonus, if you save £200 – £360 you get £12 bonus. You will have to have saved enough for the bonus by 17th October 2017. Vouchers are valid for 2 months from date of issue.

There are other shops that provide bonuses for saving.

I hope you find the above helpful.

Wishing you a happy Christmas.

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