So many Christmases this year will be tight with prices going up on Utilities and so it can be a worry for people.

Remember you don’t have to buy a gift for everyone and you can split the costs by having people contribute and why I budget and make sure I have money for emergencies and that a gift doesn’t have to materialistic in fact I bought my nieces one year to feed the Giraffes at Chessington and so it can be clothes not worn or a simple as a notebook what I received as a birthday gift this year.

In this weeks Cheat Sheet are tips on Saving for Christmas:

I am filming a gift guide so will be up on my Youtube channel soon. https://www.youtube.com/@Carriechalloner

I hope you find this helpful and if you have tips then please share. There is a comment section below and subscribe so you will be notified of when I post.

Many thanks for reading,

Carrie X