Cash­back: five ways to smash the preChrist­mas sales

The av­er­age fam­ily is set to spend £750 this Christ­mas, and many will slap it all onto a credit card. The Fi­nan­cially Fab­u­lous money team share some tips on how to save cash and take ad­van­tage of the preChrist­mas deals…

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1 ON­LINE OUT­LET STORES The days of trekking to out­let stores to bag a branded bar­gain are num­bered. In­stead, pick up dis­counted Christ­mas presents from the on­line out­lets of re­tail­ers such as Hobbs ( hobbs.co.uk/out­let), Figleaves (figleaves.com/uk/out­let) and Kurt Geiger (shoea­holics.com). Sites such as bran­dal­ley.co.uk or se­cret­sales.com are also great. 2 SUP­PORT SMALL BUSI­NESSES If you have an Amer­i­can Ex­press card, take ad­van­tage of Shop Small* cam­paign which runs 1-16 De­cem­ber. For ev­ery trans­ac­tion of £10 or more, you will get £5 cash­back.

3 BUY MORE FOR LESS

How does not pay­ing for a third of your Christ­mas shop­ping sound? Take ad­van­tage of three-fortwo of­fers on gifts from re­tail­ers such as Boots, M&S, Deben­hams and very.co.uk to do just that. A great way to make your money go fur­ther.

4 LIST! LIST! LIST!

Even Fa­ther Christ­mas makes a list – and he checks it twice! Take a leaf out of his book and write down who you need to buy for, what you want to buy them and the max­i­mum you want to spend. That way, you’re less likely to splurge. And be­fore you im­pulse-buy, be­cause some­thing looks like it could be a good deal, re­mem­ber, it’s only a ‘ bar­gain’ if it’s some­thing you ac­tu­ally need.

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