The worst thing you can do is panic if you haven't already started your Christmas shopping.
If not thought out carefully, your gift purchases can look a bit like a flea market in your front room and more often they can be expensive, unnecessary, and not what you originally imagined you would have given.
Panic buying is just too stressful and expensive but having a little bit of a preparation time can really help the bank balance over the festive season and can also help you avoid a major budget overload.
Often, it is much more appreciated if a gift is given that has a little bit of thought behind it.
Like the persons interests, hobbies, something they may like as an alternative to something you know they like etc.
Here are a few suggestions that will you keep the bank happy.
The best way to start is to write a list of all those you wish to buy for, what they might like as a guideline, and then possibly a spending budget or limit.
Take advantage on free gift wrapping services, not only does this save time but also money too.
If you can't fit shopping around work then maybe with the lead up to Christmas you could try buying gifts online.
You can research properly, get the right kind of gift to your specifications and can also compare prices from one website/ shop to another.
While some people choose to save throughout the year for Christmas, others get out loans and a few even use their credit cards.
As a way to decrease the amount you spend, leave the credit card at home in your ford fiesta, Birmingham city centre will still have great deals on offer no matter how many gifts or amounts of pennies you feel you need to spend.