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THE CUMBERLAND has issued its top 10 tips for having an enjoyable but frugal Christmas.
The building society said the average family expected to spend £725 but a spokeswoman at the building society said: There are still many ways to share the festive spirit and treat our loved ones.
The tips from The Cumberland include:
Start early: Whether it’s saving a small amount each month or making, baking or crafting some presents in advance, it’s never too early to start planning. The sooner you start, the more time and opportunities you’ll have to budget and spread the cost.
Set a budget: Decide how much you can afford to spend on Christmas this year, then stick to that amount. A free budgeting tool such as The Budget Planner at moneysavingexpert.com is a great place to start – you can assess your overall financial situation and plan accordingly. ....

Martin Lewis , Budget Planner , Most Christmas , Free Christmas Magic , Big Shop , மார்டின் லெவிஸ் , பட்ஜெட் திட்டமிடுபவர் , பெரும்பாலானவை கிறிஸ்துமஸ் , இலவசம் கிறிஸ்துமஸ் மந்திரம் , பெரியது கடை ,