Below are a few tips which will help you to not spend what you don’t have:
1. Decide on your total budget and then make a list of people you need to buy gifts for writing a specific amount for each name.
2. Get crafty and try making a few of your own handmade gifts. Photo albums, scrap books, homemade pickles, biscuits and treats all make for lovely personal gifts and they don’t cost the earth. Look through magazines and on the internet to find inspiration.
3. Before you start your Christmas shopping it is a good idea to lock your credit card away or give...