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You don't need to go crazy with the credit card to get your 'perfect Christmas'. We show you how to get your favourite festivities for less & make easy savings on the cost of Christmas.

		a	Work out: What did you spend money on last Christmas?
		b	Work out: How much did you spend on Christmas last year?
		c	Consider: How did you pay for Christmas last year?
		d	Find out: Are you still paying for last Christmas?

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		a	Do: Write a spending budget
		b	Decide: Where does Christmas spending sit on your list of priorities?
		c	Decide: How much can you afford to spend on Christmas this year?
		d	Do: Start saving for Christmas
		e	Consider: How can you make extra money to spend on Christmas?

		a	Work out: Who do you need to buy Christmas presents for?
		b	Do: Suggest a card-only approach to those not on your Christmas list
		c	Decide: How much should you spend on Christmas gifts for your family & friends?
		d	Do: Start your Christmas shopping early
		e	Do: Compare prices when you shop for Christmas presents
		f	Consider: Could you make Christmas presents instead of buying?
		g	Consider: What can you give instead of your usual gift ideas for Christmas?
		h	Find out: How can you cut the cost of wrapping presents?
		i	Find out: How can you cut the cost of postage?
		j	Find out: How can you cut the cost of Christmas cards?

		a	Find out: How can you cut the cost of Christmas dinner?
		b	Do: Cook your own Christmas food
		c	Do: Make a Christmas meal plan
		d	Do: Order your Christmas shopping online
		e	Find out: How can you use up Christmas leftovers?
		f	Find out: How can you cut the cost of Christmas drinking?
		g	Do: Make the most of money-off vouchers and loyalty schemes

		a	Find out: How can you cut the cost of throwing a Christmas party?
		b	Find out: How can you entertain the kids for less this Christmas?
		c	Find out: How can you cut the cost of dining out at Christmas?
		d	Find out: How can you cut the cost of pre-Christmas pampering?
		e	Find out: How can you cut the cost of Christmas party outfits?
		f	Find out: How can cut the cost of Christmas days out?

		a	Find out: How can you cut the cost of travel in the UK at Christmas?
		b	Find out: What's the best way to cut the cost of flying at Christmas?
		c	Find out: Where's the best place to find a cheap Christmas holiday?
		d	Find out: Where can you find a cheap Christmas hotel break?

		a	Consider: How will you pay for Christmas this year?
		b	Decide: What's the best way for you to pay for Christmas?

		a	Work out: What are your Christmas priorities?
		b	Do: Set a Christmas budget

		a	Find out: How can you cut the cost of your Christmas tree?
		b	Find out: How can you cut the cost of Christmas decorations?
		c	Find out: What type of Christmas lights should you go for?

		a	Find out: Does your home insurance cover Christmas gifts?
		b	Find out: What's the best way to deter burglars?
		c	Find out: What do you need to do to stay safe when you're shopping online?
		d	Find out: What are your rights to a refund on Christmas gifts?
		e	Find out: What else can you do to stay safe at Christmas?

How to spend less on Christmas without cutting back