We have outlined our top budgeting tips to get people through the 2012 Christmas season
1: Budget, Budget, Budget.
Plan how much you can afford to spend – and stick to it.
2: Make a list.
Decide what you're going to buy in advance. Decide in the store and you'll spend more!
3: Pay with cash where possible.
Avoid loans, credit cards, store cards, catalogues and money lenders – they'll cost you more.
4: If you borrow be sensible.
Borrow where the interest is right…..not on your doorstep!
5: Compare prices.
Before you buy, compare online and between shops. You’ll be amazed at the difference.
