Oooooooooooooh I cut it fine this year, I didn't finish my Christmas shopping until after November.  Certainly not as good as last year when I was all done a full month earlier...

Why am I so super-organised when it comes to Christmas?  Well one of the reasons is that it's my absolute favourite time of the year, but mostly it's because when it comes to money, I prefer not to be stressed!  And let's face it, Christmas can often be pretty stressful instead of the fun and happy time that it should be.

Remember the story about my brother Dean ringing me in a total panic about 10 years ago because he hadn't bought a present for his then girlfriend (now wife) Jenny?  The reason he was panicking was that it was 7pm on Christmas Eve and he'd mistakenly thought the shops were open until midnight.

YIKES! Nah, that type of stress level is not for me!

Just click here for my easy and practical tips for Christmas spending.  It may be a little too late this year for some of the tips, so feel free to make us of them in 2015!

Talk soon,

Caren