Savvy budget tips for a cut-price Christmas
No last-minute grabs...
The main offender when it comes to festive over-spending? Those last-minute gifts, grabbed when time has almost run out. So plan your gift list carefully and, when you've ticked off each recipient, don't listen to the niggling voice which says, 'Will this be enough?'
'My friends and I have scaled it down so we just give tiny, token presents,' says Claire, a 29 year-old PA. 'Everyone feels relieved - not hard done by at all.'
Still tempted to splurge? Bear in mind that last minute 'top-up gifts' cause 46 per cent of women to blow their budget, according to investment experts NS&I.