Western Mail - - YOUR MONEY -

Rachel Springall, a fi­nance ex­pert at Money­, sug­gests that, while it may be too late to save enough to cover the cost of this Christ­mas, start­ing now could help with next year.

Rachel says: “If con­sumers saved just £120 a month for the next year then they would have more cash saved than the av­er­age cost of this year’s Christ­mas spend, which Amer­i­can Ex­press es­ti­mates to be £1,206 per per­son.

“The de­ter­mi­na­tion and com­mit­ment to put cash aside should make next Christ­mas much more af­ford­able – and pos­si­bly less stress­ful.”

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