Making it through the festive season without racking up a credit card debt is one of the best presents you can give yourself this Christmas. Lay-by may be old-fashioned, but it’s a simple way to pay
off purchases at your own pace, without unwanted interest charges. As an added bonus, your gifts can stay securely hidden out of sight until Christmas Eve. Just make sure you’re happy with your purchases – if you cancel, you’ll get your deposit back, but retailers are entitled to charge a termination fee.