Get to grips with your bud­get this Yule­tide

Style at Home (UK) - - Home Saver -

1 RE­ASSESS LAST YEAR Tot­ting up 2015’s Christ­mas costs – food, presents and games – is the best place to start. A typ­i­cal fam­ily spends £796* so the ear­lier you start, the bet­ter.

2 SET A bud­get Can you make any cuts this year? Al­lo­cate a set amount to spend on presents for each per­son, and agree an over­all bud­get for cater­ing.

3 START SAV­ING EARLY It’s bet­ter to start sav­ing straight af­ter Christ­mas, but if you didn’t for 2016 put sav­ings aside for the last two pay cheques of the year. Even plan­ning fi­nances then will help.

4 SHOP LAST MINUTE A lot of re­tail­ers re­duce their prices just be­fore the big day, so wait to buy presents, and you could save big!

5 CLAIM MONEY-OFF VOUCH­ERS A quick Google search will bring up a list of voucher-code web­sites. of­ten used by re­tail­ers. Try voucher­codes.co.uk

6 try ON­LINE AUC­TIONS Find ebay and Gumtree bar­gains – avoid costly, mass-pro­duced gift sets (which are mostly all pack­ag­ing any­way), and choose some­thing sec­ond-hand in­stead.

Make your own crack­ers for a bud­get-friendly and per­sonal touch

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