12. Start saving early
It might be too late for some of you…but using all of December’s pay cheque on gifts can be pretty disheartening.
Gemma suggests that saving money and planning ahead pays off in the long run:
‘If you start now and save £5 a day, you’ll have £500 by Christmas. Even better, put any spare cash in a separate account so you’re not tempted to spend it.’
13. Give free gift cheques
You can give someone a gift without spending a penny! MoneySavingExpert.com recommends looking at the free options – offer to babysit or cook someone a nice meal!
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