Santa’s sav­ings

Get the most for your money dur­ing the most ex­pen­sive time of year

YOURS (UK) - - Contents -

Christ­mas is a time for giv­ing and, err… pay­ing! Whether you’re splash­ing out on gifts for your grand­chil­dren or buy­ing fes­tive food and drink, it’s easy for money to slip through your fin­gers. But there are some savvy ways you can spend less and make your cash go fur­ther.

Make use of sales

Shops have reg­u­lar sales in the run-up to Christ­mas. Black Fri­day (Novem­ber 23) is prob­a­bly the big­gest, but while there are some bargains, re­tail­ers often sneak in old stock, so do your re­search! If you don’t need to buy be­fore Christ­mas, some of the best dis­counts ap­pear from Christ­mas Eve on­wards.

Get cash­back

If you shop on­line, use cash­back sites such as Quidco and Top­cash­back to earn cash when you shop. You must go to the re­tailer’s web­site by click­ing a link from the cash­back site. Some cash­back sites are bet­ter than oth­ers when it comes to how quickly they pay you.

Watch out for fes­tive scams

Christ­mas is a lu­cra­tive time for scam­mers. They know we’re un­der pres­sure and are more likely to shop on un­fa­mil­iar web­sites. You should never be asked to pay by bank trans­fer (where you pay direct through on­line, mo­bile or phone bank­ing). Pay by debit card or use your credit card in­stead – es­pe­cially if buy­ing some­thing worth more than £100 – be­cause you may be able to claim against the card com­pany if there’s a prob­lem.

Don’t buy add-ons

If you’re buy­ing some­thing such as a new TV, wash­ing ma­chine or sofa, don’t be tempted by the shop’s in­sur­ance or war­ranty of­fer – they’re often a waste of money. Check if the man­u­fac­turer of­fers its own ex­tended war­ranty, which can work out cheaper.

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