Play Kris Kringle with your friends. I can’t afford to get all of my friends a present, so we usually put all our names in a hat and play Kris Kringle, so we all get a present when we get together for Xmas!

Go in with other people to buy better presents. I know that Xmas will be a bit tight for me this year, so I am going in with my brother to get my sister something nice, rather than just buy her some poxy little present!

Each pay week, buy one present out of your everyday cash if you can. Not only does it save you time and the hassle wading through the Xmas rush, it also saves your credit card from big hit.