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The ideal is having this cash spare now so you don’t need to dip into your overdraft or spread the cost over the year (adding interest will mean Christmas costs you a lot more.)Decide how much to spend on each person– Once you’ve done this add it all up and make sure you haven’t gone over your maximum budget.If you have work out who you don’t mind spending a few quid less on this year or think about what you might be able to make people instead.You could buy for the kids only, go for drinks instead of gifts or at least set a limit of how much you’ll spend on each other.Figure out a realistic budget – You don’t want to start January worrying about a massive credit card bill.
Make sure their site is secure, has a working UK customer service line, their address is registered as a business on Google and good reviews on Review Centre or Trust Pilot.
See if you can find a voucher for free delivery with the cheapest retailer.
Don’t forget to check if a retailer offers click and collect for free.
Start deal hunting – Find the cheapest place to buy each gift and add the amount and link to the relevant page on your spreadsheet.
This will allow you to compare costs on Black Friday to see if you’re getting a true bargain.