Every January, many complain "I'm skint now", as if Christmas was a surprise. Well, here's a date for your diary - it'll be on 25 December again this year, and prevention beats cure.
This sackful of Christmas tips shows you how to get 5% off all Christmas shopping, bag hidden local eBay bargains as gifts, spread the cost and much more (it works for Chanucah, Eid and others too).
Bag 5% off ALL Christmas shopping
Cashback credit cards pay you every time you spend on 'em. You grab one, set up a direct debit to repay in full every month so it's interest-free, and to boost the gain, use it for all spending instead of cash, cheques or debit cards.
American Express's Platinum Everyday* credit card pays a big 5% cashback (max £100) on ALL spending in the first 3 months (up to 1.25% after). Apply now to use for spending over to Christmas period. ALWAYS set up a monthly direct debit to fully repay to avoid 19.9% rep APR. There's full help and options for those with poor credit scores in Top Cashback Cards and Official APRs.
Start saving now
A typical family spends more than £820 on Christmas, according to YouGov. Yet many struggle to foot it from December’s pay-packet alone and end up borrowing. So why not put money aside each month now, at no cost? Better than borrowing and paying back later with interest.
Work out your budget and put a quarter aside in September, October and November (see Top Savings). If you can't afford that, cut your cloth accordingly.
Earn with DemoHoHotivation
Small sacrifices can boost your Christmas coffers. For example, walk instead of taking a £1 bus every day from September and you could save nearly £120. Buy a £2 coffee every working day and you could save £160.
People swear by (and at) our DemoHOHOtivator tool, which reveals how much you could save on coffees, snacks, cigs, mags and other discretionary purchases to help you cut back. Try it to see how much you could save in time for the festivities.
Affordability not desirability
Too many list every lusted-for item, gifts for all, and a corking meal, then only afterwards consider "how will I pay for it?" That’s a recipe to end up disappointed, or broke.
Instead, calculate your budget (see the free Budget Planner), and ask, “What can I afford to spend on Christmas?” Then work out how to have the best one possible within that budget. Christmas is one day, don’t ruin the whole of the new year for it.
Be ready to pounce for your xmas cupboard
Make a list of who you need to buy for and whenever you see goods at kick-bum prices, grab, wrap, and stuff 'em in a Christmas cupboard.
Keep your eyes peeled for discounts and deals on our Vouchers, Hot Bargains and Sales pages. We'll also let you know the best via the weekly email.
For cheap yet thoughtful gifts, the Photo Print Finder lists the top photo book, canvas, card and calendar discount codes.
Need fast cash for Christmas? Flog it
If a few quid more in the Xmas fund will really help, act now. Flogging owt via eBay usually pays best. Our 40+ eBay Selling Tricks guide is a crash course, from cutting eBay fees by tweaking start prices and using no-charge listing weekends, to adding extra pics with special tools.
If you prefer speed and ease rather than max price, several sites let you enter details, they offer a price, and you post goods free. Full info in our Flog It guide.
Time to BAN Christmas presents?
Consider not giving this Christmas. This isn’t about gifts from parents or to grandchildren, but the ever-widening glut of friends, extended family and colleagues. Christmas isn’t a retail festival, we need to end obliged giving and think more about what we're giving, to whom and why.
If you’re yelling over your wrapping paper “what about the joy of giving?”, remember gift-giving creates an obligation on recipients to give back, whether they can afford it or not. For some, the gift of “not obliging you to buy for me” is actually better. Read Scrooge McLewis's blog: Ban Christmas gifts
Plus, why not make a No Unnecessary Present Pact (Nupp) with friends now, or at least agree to a Secret Santa or £5 to £10 cap on gifts. If you’re scared to broach this taboo, our free Nupp Tool generates the email for you, showing recipients you’re not alone.
Amazon hidden gift discounts of 80%+
It's the original e-giant, and like any megastore the challenge is to see behind the shelves to dig out mega-discounts. Ideal for stocking filler hunting, our ever-popular Amazon Discount Finder manipulates Amazon web links to create customised bargain basement pages, such as beauty 70% off*, TV 25% off* and handbags 75% off*.
Though remember, just because it's discounted doesn't mean it's a bargain. So in the tool there's an input box for the CamelCamelCamel site, which lets you instantly check a product's Amazon price history to see if it's ever sold for less. Then use our MegaShopBot to check its price in other stores.
Got a top tip that we haven't listed?
Tell us in the 40 Christmas tips discussion.
Downshift your turkey
With an “It’s Christmas! We need the best!” battle cry, everyone hits the supermarket shelves. Yet don’t automatically assume you’ll prefer higher brand goods.
Martin once held two consecutive Christmas parties for a large group of nurses. Nowt salacious, it was a TV show experiment. Unbeknown to them, one featured high-brand goods, the other a brand level down and on their voting, the £100s cheaper party won.
So, don’t be a retail snob. Taste with your tongue, not by looking at the packaging. And buy what’s right for you, not the shop. This works all year round - try our fun Downshift Challenge Tool to see if you can cut costs by £1,000s.
If you're planning a huge shop, go to MySupermarket* and it'll compare the cost of goods at the big online supermarkets. These prices are similar even if you go in-store.
50 Festive Fiver gift ideas
Our Festive Fivers contest challenges forumites to come up with the best 'make or buy' sub-£5 presents. Among the inspirational ideas was the 12 Dates of Christmas, a date night package for someone you love (or lust after) - from a picnic in the park to a candlelit bubble bath.
Or how about a homemade vinyl wall clock, or personalised e-reader case? For kids, plant a fallen bell from Santa's sleigh in your garden on Christmas morning to make the kids' eyes as wide as their smiles. See 50 Festive Fivers for a full list of winners.
Remember, kids aren’t retail snobs
Young children don’t value your gift based on the price, it’s often said they’re more interested in playing with the wrapping than the gifts.
So don’t shell out big bucks without need. A perennial favourite of this site’s Festive Fiver Christmas gift contests is the balloon box. Get a huge box, fill it tight with blown-up balloons, then wrap it. It’ll be the most adored £2 you’ll ever spend - though be careful to supervise and make sure burst balloon bits don’t get in mouths.
Get paid interest twice
Supermarket saving stamps schemes encourage year-long saving for Christmas, yet a loophole allows you to get a year’s bonus in one day.
Most stores pay it depending on how much you’ve saved by a specific day. So save it in a bank first (see Top Savings), dunk the cash in the day before, and it’ll add up to 4% on top, but the cash must be spent at its stores. Full info in the Xmas Spending Boost guide (to be updated for 2013 shortly).
Pay by credit card if it’s over £100
Sadly, firms go bust. If that happens and ordered goods haven't arrived, or have but are faulty, it's a nightmare. However, Section 75 laws mean if you use a credit card (not debit card, cheque or cash) to pay even partly for something costing between £100 and £30,000, the card company's jointly liable for the whole amount.
If the firm goes bust, you can get redress from the card firm instead – valuable extra protection. Though only do this if you can clear the card in full each month to avoid interest.
Section 75 doesn't apply to purchases under £100, but there's still an option which can help if you use a Visa, Mastercard or Amex credit card, or any debit or charge card.
If the goods don't appear or are faulty, you can ask your bank/card provider to reclaim the cash from the seller's bank, so long as you start the chargeback process within 120 days of realising there's a problem. See the Chargeback guide for full details.
Don't miss out on updates to this guide Get MoneySavingExpert's free, spam-free weekly email full of guides & loopholes
Find the cheapest place to buy gifts in seconds
The web usually smacks the high street's bottom on price. To help, shopbots are special shopping robots that search the net to find the cheapest CDs, books, games or owt else.
As different shopbots are better at different things, we built a free MegaShopBot tool which auto-searches the best shopbots for each product.
For a full guide to slashing the cost of buying anything and everything online, see the full 40 Online Shopping Tricks guide.
Watch a video guide
To really cut the cost of the festive season, watch this top Christmas tips video from Martin.
The Video Guide
The twelve saves of Christmas
Courtesy of Watchdog, BBC, December 2009
Find hidden eBay local bargains
Whether Wiis or children's books, eBay sellers often specify items must be collected in person. As this means fewer bids, there are bargains to be had.
You can't normally search collection-only, so we've built a mapping tool. Tell our Local eBay Deals Mapper your postcode, how far you're prepared to schlep, and it maps nearby gems.
For more help tracking down hidden bargains, our eBay Buying Secrets guide lists tools which find underpriced goods, exploit spelling mistakes and auto-bid to seal deals.
MoneySavers do it together...
To help with the Crimbo preparation, the Special Occasions board is full of top tips to cut the festive season's cost. MoneySavers post bargain pressies and decorations, and share suggestions on having a more affordable Christmas.
NEED TO borrow? THEN Get a 0% card
Far better to budget, but no matter what we say, some will borrow. If so, the longest 0% SPENDING credit card you can. - see the 0% Spending guide for options.
If you can’t get 0% and it was your only option, frankly, cancel Christmas spending. Just enjoy a family meal, raise a glass and focus on a financially good new year.
Write 'it's a gift' on the receipt (if it is)
Legally, only the person who bought the gift has rights, so the recipient can't exchange. Many shops ignore this, but for safety, use a gift receipt or get the shop to write on its copy of the receipt, and yours, that it's a gift and who it's for. Rights are then transferred. For more info, see the Consumer Rights guide.
Free petrol? Big Xmas spenders' extreme couponing
This is an awesome bit of extreme couponing. It's fiddly and only works if you're already planning to make a big purchase at certain high street stores, such as Homebase or Currys. But play it to the max and you could potentially get a free tank of petrol.
How it works
Morrisons' Fuel Saver deal gives 1p/litre off petrol, diesel or LPG for every £10 of gift cards bought in-store.
There's a huge number of retailers to buy gift cards for, including Homebase, Debenhams, Currys, Pizza Express, Next, House of Fraser, Halfords, iTunes, TK Maxx, Oasis, Warehouse and Waterstones - see the full list. The offer's ongoing, but doesn't include Morrisons' own gift cards.
The discount's also stackable, so you can buy £50 of gift cards and get 5p/litre off. So if there's a large purchase you are going to make anyway - eg, £500 on a computer at PC World or a garden shed at Homebase - get it by first buying the gift cards and you'll bag 50p/litre off.
If you bought £1,400 of gift cards, it'd effectively make a £1.40/litre tank FREE. Morrisons has also told us there's no limit per transaction on the gift card. But the maximum coupon value you could get for one transaction is £1 off per litre. A £1/litre off voucher would be issued if you spent £1,000 on gift cards.
Petrol vouchers are valid for 63 days from the issue date. Forumite matthewh notes:
"It really depends on if you were going to spend the money anyway! We were going to buy sofas at Next anyway - so I bought enough gift cards in Morrisons to cover the full price of fuel. Then bought the sofa with the gift cards - so I got nearly a £100 discount."
Use gift cards quickly
Gift cards are non-refundable, and it isn't a good idea to put money on the card to drip-spend over six months. Though most of those mentioned here are big, safe companies, if the firm goes bust you'll probably lose the cash, so ensure you minimise the time between buying and redemption.
It's also worth noting third party retailers (Morrisons in this case) don't have any responsibility to refund you if a gift card's retailer goes into administration. See the Beware gift vouchers MSE News story. Gift cards are generally valid for about two years, but always check.
Full terms on the Morrisons website. Find your nearest Morrisons.
Grab cashback on pressies
With cashback sites, you sign up for free, then click through them to buy something or get financial products. They get paid for sending traffic and give some of this cash to you. Some people make £100s a year.
Never let the cashback dictate where you spend or what prezzies you buy. Focus on the cheapest deal, then see if cashback's available. Full explanation in Top Cashback Sites.
Free message from Santa
Important message from Santa: "No need to pay for letters from me, my elves and I have arranged them for free (ho, ho, ho)."
See the Free Santa Letter and Video guide for a nifty website that, with a few personal details, will create a personalised video message.
Chat to family and friends for free via the web
If you and the other person are online, talk for free anywhere in the world over the web via the likes of Skype. Some smartphones also let you download apps to do this via wi-fi or 3G. See Voip: Free calls via your PC.
Yet for web to phone, don't believe the Skype hype: calling overseas mobiles and landlines is much cheaper if you use special numbers. Our free International CallChecker finds the cheapest number for each country from landlines. Many countries are just 0.5p/min.
It searches a range of companies that let you call overseas super-cheap without changing provider or setting up an account. Simply dial a prefix, then dial the normal number, it's billed to your home phone. They're no-frills providers, so don't expect quality service, just cheap prices.
Sell old gold for a quick cash hit
Gold prices have rocketed, encouraging gold-buying companies to flood in to entice us to flog old jewellery and make £100s.
Beware postal hucksters who offer you far less than your jewellery’s worth. Here, you get a quote online, send in gold for verification and then they make an offer. Yet many are unreliable or poor players, including some TV-advertised big names.
Among the scrap are shining examples - for a list of top gold buyers plus full warnings, see the Gold Selling guide.
Slash the cost of sending Xmas cash abroad
Whether for a Stateside nephew or a grandchild in Australia, transferring money overseas doubles the currencies, complication and cost. See our Sending Money Abroad guide for best buys, including your protection if it goes wrong.
DO ensure Christmas delivery’s specified
If Christmas goods are late, you can only complain if you or the retailer specified (and can prove) it was for pre-Christmas delivery. Then it's a breach of contract, and you've a right to a refund. Though even if Christmas delivery isn’t specified, things should be delivered within a reasonable time.
Track Santa as he delivers prezzies
Check out this nifty site to watch Santa's progress bringing gifts for your little ones on Christmas Eve. Grab a mince pie and log onto NoradSanta.
Free Christmas wallet armour
Shops can be sticklers at Xmas, so arm yourself by printing our free Christmas consumer rights wallet mini-guide and you'll be permanently tooled up with your legal rights.
Online Outlet Stores Discount Finder
Many drive miles to outlet villages to snap up end-of-line bargains. Yet now, lots of high street and high-end stores have online outlet stores, either via eBay or special websites.
Tell the Outlet Store Discount Finder what you want, the price and discount, and it'll find it for you. You can also drill down to specific stores, too - big names include M&S, Argos, Net-A-Porter and many more.
Uncover hidden BIG brand flash sales
To hint at exclusivity, a range of branded and designer goods e-tailers operate 'membership clubs'. You register for free, then they send alerts for online flash sales lasting 2-5 days. A bit poncy, but it can mean big discounts. Our big list of Secret Sales reveals the best.
If you've strong elbows, try a non-virtual version with our list of 70%-off designer Sample Sales.
Fancy perfume on the cheap
Forget department stores for perfume. A whole bunch of specialist online sellers offer it for a fraction of the price. Better still, buy the even cheaper unboxed bottles, then get a pretty box and wrapping for a couple of quid. This way, they think you went to extra effort but actually you saved extra cash. Read the Cheap Perfumes guide for full help.
Also see the Great 'smell-a-like perfumes' hunt, where MoneySavers have sniffed out some dirt-cheap dead ringers for posh perfumes. They say Next's Just Pink smells like Ralph Lauren Romance, while M&S True Red is similar to Hugo Boss Deep Red.
The best charity gifts
Feel the need to give, but don't want to waste cash on tat? Yule love our rundown of wonderful and weird Charity Gifts, which includes how much goes to good causes.
Feed the starving for free
It's become an MSE tradition at Christmas to remind MoneySavers of those in need. You may still be counting the pennies, yet there are many ways to donate for free.
Click through to The Hunger Site and amid a pile of banners you'll see an orange button in the middle of the page. The emblazoned message is "Click here to give - it's free!" Do so and a cup of a staple foodstuff is bought for someone, somewhere, who is hungry.
Is there a catch? No. It's a win-win-win situation for those in need, the user and the sponsors, as they create good public relations for themselves. There's a full list of sites and how they work in Feed The Starving for Free.
Corking wine and bubbly deals
Whether red, white or a country or grape, tell our Wine Discount Finder to find the biggest discount or cheapest crate at Tesco Wine, M&S, Majestic and more. We also list codes to save you more in there.
For bargain Christmas bubbly, see Champagne Deals. We hope you pay less, not drink more - be Drinkaware.
Don’t save Tesco vouchers for festive food
First, quickly check if you can Reclaim Tesco Vouchers online. So many find big cash, often £100+, we can't stop nagging about this.
Yet don't save them for food treats. Check Tesco's Clubcard Partners (formerly called Rewards) to get up to 4x their value (£10 becomes £10, £20 or £40) on items such as jewellery or restaurant vouchers.
Tesco's Christmas exchange lets you double the value of Clubcard vouchers in-store & online for items including toys, gifts, Finest wine and champagne and more. So check if you can find something in there first.
Debt worries over xmas?
Sadly, Christmas isn't jolly for all. If you (or a friend) have debt worries, read the Debt Help guide for free one-on-one help. Many say, after help, "I finally got a decent night's sleep."
Boring, but make a list, and check it twice
Christmas shopping on impulse is dangerous. So make an old-fashioned shopping list and stick to it. Remember, shops spend a fortune on targeting your spending impulses – a list helps you beat them. Even if you're shopping on the high street, remember to benchmark the prices using shopbots first.
Free Christmas Gift Cheques
Presents don't have to equate to spending big bucks. Whether it's a 'massage' (nudge, nudge) for your loved one, babysitting for a friend or letting kids have a sleepover, your time could be the best present you ever give.
So pledge to do something nice, not spend, by printing our free Christmas gift cheques. They're specially designed for you to write in your own 'gift' and present them to family or friends.
Sort Xmas post early
If you're using Royal Mail, make sure you send parcels and letters before the last posting date. In 2013 for UK deliveries, it is 18 December for second class, and 20 December for first.
For international airmail, you need to post by 5 December for Australia, and 6 December to the Caribbean, Africa and the Middle East. The last date for most of western Europe is 14 December. See Royal Mail's full list of 2013's last posting dates.
Free Christmas IOU generator
Before Christmas is the year's costliest shopping time, January sales the cheapest. So if you’re after a big-ticket family purchase like a telly or games console… just wait.
Give the kids a nicely-wrapped IOU, telling them you're waiting for the sales to get the gift cheaper. You could also buy a small extra gift from potential savings to show the benefit of waiting. This way, kids get a triple whammy: the gift, the benefit and a lesson in money sense.
To create your own personalised certificate, use our Christmas IOU Generator.
Use the web to cut delivery costs
Sending a package or parcel to friends? If it weighs more than 2kg, you can save an absolute packet (sorry) by using a discount web courier service instead of Royal Mail - and even have the goods collected from your house. See Cheap Parcel Delivery.
DON’T think ‘no receipt’ means ‘no return’
With faulty goods, you just need to prove you purchased them. This could be the receipt but other legit records, such as bank statements, should be fine.
However, if you’ve no legal right but are just utilising a store's returns policy, then if it requires a receipt, you need it. See the Consumer Rights guide for more.
Comp for Crimbo prezzies
Try comping - systematically sourcing and entering 100s of the right competitions using web gadgets. From cars to five-star USA holidays, MoneySavers have won it all.
Smaller prizes such as toys, handbags and gift vouchers, make cracking gifts. No guarantees, but why not give it a try? Full help in the Comping guide.
Be wary when buying gift cards
If you're considering giving gift cards or vouchers, read our Gift Voucher Warning guide first. There are three key things you should be aware of:
Sometimes retailers go bust. A host of big-name retailers have gone into administration recently (including Comet, Woolies and JJB). When this happens, they stop accepting them altogether.
Gift cards have expiry dates. Most gift cards must be redeemed within a certain period of time, so the recipient needs to spend them before time runs out.
They could forget or lose them. Often people forget to use them, lose them or accidentally run them through the wash.
Why not follow the old tradition of Secret Santa? This is where a group of work colleagues, friends, or even a school class set a budget, eg, £5 or £10 per present, and secretly draw names out of a hat for who needs to buy for whom.
This way you need only buy one present for the group, rather than for scores.
DO take prezzies back as quickly as possible
If something’s faulty, returning it speedily is crucial.
Within four weeks. You can usually still get a full refund as you’re unlikely to be seen as having ‘accepted’ the goods. After that, only expect exchange, repair or part-refund.
Within six months. The shop must prove goods weren't faulty when they sold ‘em – after that, you must prove they were.
Don't neglect next Christmas, either
In many ways, even now is too late to get the very best MoneySaving Christmas. The perfect time is January.
Buy cards and decorations in December and prices are sky-high. Yet, come January, the price plummets and you can pick up massive reductions on festive treats.
You can also start a savings fund, putting cash aside each month and earning interest on it. Then come December, you'll know exactly what money you've spent and can have Christmas without the worry of debts.