How to buy Christmas presents on a budget
Christmas is an exciting time of year, but it can also be a time of financial worry. For many it’s the most expensive time of the year. Heating bills are at their highest, there are numerous work parties and Christmas festivities to attend and that’s before we even get to the modern tradition of buying gifts for our nearest and dearest. In hindsight it’s best to prepare by saving throughout the year, but what if there’s no money to save or we simply haven’t prepared at all. Is it possible to get cheap but thoughtful Christmas gifts?