The one thing I try and do this time of the year is to save as much money as much as I can, as I know this is a busy season for me with birthdays coming up and then Christmas.
I like to save money by not paying full price on anything, so if I can get it in a sale then I will.
The other thing I like to to see what I already have and use that up first. I only bulk buy on items I know we use a lot of, for example toilet paper.
I set a budget on each gift that I buy and stick to it.
I make sure I keep up to date with my finances and give myself enough for travel and food.
Planning ahead of time for me is the key to saving and check out what deals are online compared to in the stores.
I am not frightened of buying in Charity shops either, you can find some lovely pieces of jewellery, clothes, ornaments, books and other nic-naks.
So lets get saving and see what treasures we can find for this year.
Many thanks for reading,