“Christmas is meant to be about family, fun and generosity, but the price tag can steal the sparkle,” warns MandM ambassador and money expert, Gemma Bird (moneymumofficial). “I’ve seen a sharp rise in people sharing money-saving hacks on social media. It shows you can be generous to yourself and others even when funds are tight.”
Gemma has pulled together her 12 Days of Christmas Money-Saving Hacks so you can spread joy without spreading yourself too thin.
‘12 days of Christmas’: 12 money-saving hacks to save you cash
Start with a Christmas budget
Set an overall budget and divide it by category. “There’s no one-size-fits-all approach,” says Gemma. “A family of four will spend more on food than a couple without children.” “An easy way to do this is with a spreadsheet or banking apps to split money into pots.”
Shop early to beat price hikes
Many start...
