<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">Saving cash over the holidays is crucial because there’s so much to buy and if we’re not careful it can get out of hand. Here are some essential Christmas money saving tips that will help.</p>
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<figure class="wp-block-image size-full"><img src="http://smartinsurance.tips/wp-content/uploads/2022/11/Money-3.png" alt="" class="wp-image-2800"/></figure>
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<h2 class="has-black-color has-text-color has-extra-large-font-size">Best Christmas Money Saving Tips For The Holidays…</h2>
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<p></p>
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<p></p>
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<h3 class="has-black-color has-text-color has-extra-large-font-size">Money Saving Tips For Presents</h3>
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<h4 class="has-black-color has-text-color has-large-font-size">AGREE ON A BUDGET FOR PEOPLES PRESENTS</h4>
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<p class="has-black-color has-text-color has-large-font-size">Set a limit for family and friends and let everyone know.</p>
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<p class="has-black-color has-text-color has-large-font-size">In my family it’s £15 which works really well, and if someone wants something that costs more, then people can club together for it rather than breaking the bank.</p>
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<p class="has-black-color has-text-color has-large-font-size">An expensive gift really isn’t necessary when people are getting lots of gifts anyway, right?</p>
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<h4 class="has-black-color has-text-color has-large-font-size">DO A SECRET SANTA</h4>
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<p class="has-black-color has-text-color has-large-font-size">Put everyone's name in a hat and everyone draws one name and buys for them only. Set a budget as well. That way everyone gets one really nice present that they are more than happy with, and you get to save a lot of money.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">HAVE A RULE THAT ONLY THE CHILDREN GET PRESENTS IN THE FAMILY.</h4>
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<p class="has-black-color has-text-color has-large-font-size">Once everyone is having a family, things can get expensive pretty quickly. Keeping gift buying to the children only will keep that magic of watching them unwrap them – but lessen the spend overall.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">MAKE YOUR PRESENTS</h4>
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<p class="has-black-color has-text-color has-large-font-size">A homemade gift like fudge / jam / lemon curd / biscuits etc… always go down well, and you can create some amazing packaging that will make your loved ones feel extra special.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">GIVE PEOPLE PROMISES AS GIFTS&nbsp;</h4>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">i.e. a token for a free nights babysitting, or a promise to do a friends ironing one week etc… – this will be happily accepted and is a great inexpensive gift idea!</p>
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<h4 class="has-black-color has-text-color has-large-font-size">REGIFT PRESENTS YOU’VE BEEN GIVEN BUT THAT DON’T WORK FOR YOU</h4>
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<p class="has-black-color has-text-color has-large-font-size">Just remember NOT to give them to whoever gave them to you in the first place…</p>
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<h4 class="has-black-color has-text-color has-large-font-size">BUY SOME PRESENTS THAT ARE THINGS THAT YOU WOULD HAVE TO BUY THAT PERSON ANYWAY</h4>
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<p class="has-black-color has-text-color has-large-font-size">For example, a scarf, gloves, socks etc…. There’s nothing wrong with useful stuff!</p>
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<h4 class="has-black-color has-text-color has-large-font-size">USE BROWN PAPER (PARCEL PAPER) AS WRAPPING PAPER</h4>
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<p class="has-black-color has-text-color has-large-font-size">You can buy relatively cheaply compared to Christmas wrapping paper and dress up with ribbon, or use a stamp with some paints to create your own unique designs.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">USE LAST YEARS CHRISTMAS CARDS</h4>
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<p class="has-black-color has-text-color has-large-font-size">You can make your own gift tags from them. Simply cut out the front picture, add a hole and some ribbon or string, and voila!</p>
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<p class="has-black-color has-text-color has-large-font-size">Recycling at its best, and it will brighten up each and every Christmas present while you’re at it. Bonus!</p>
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<h4 class="has-black-color has-text-color has-large-font-size">USE WRAPPING SERVICES</h4>
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<p class="has-black-color has-text-color has-large-font-size">Some shops will offer a wrapping service free of charge over Christmas – take advantage!</p>
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<h4 class="has-black-color has-text-color has-large-font-size">POST AS EARLY AS YOU CAN</h4>
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<p class="has-black-color has-text-color has-large-font-size">This will save money on postage as you can send second class rather than first, for example.</p>
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<p></p>
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<p></p>
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<h3 class="has-black-color has-text-color has-extra-large-font-size">Money Saving Tips For Christmas Cards</h3>
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<h4 class="has-black-color has-text-color has-large-font-size">SEND ECARDS NOT REAL ONES</h4>
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<p class="has-black-color has-text-color has-large-font-size">Making savings on both stamps and cards.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">AND DELIVER AS MANY CARDS AS YOU CAN</h4>
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<p class="has-black-color has-text-color has-large-font-size">Even if that means giving them out a little earlier to some people.</p>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">We love to post our hand delivered local cards on Christmas Eve as it feels nice to get out and about and wish people Merry Christmas in person.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">SEND AS MANY CARDS AS YOU CAN EARLY</h4>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">And send them second class to save pounds. You could also add the cards to any parcels you’re sending with presents inside. Save the stamp altogether!</p>
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<h4 class="has-black-color has-text-color has-large-font-size">TELL PEOPLE YOU AREN’T SENDING CARDS THIS YEAR, AND INSTEAD MAKE A DONATION TO CHARITY</h4>
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<p class="has-black-color has-text-color has-large-font-size">You can still make a saving and help people at the same time – it is the season of goodwill after all!</p>
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<p></p>
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<p></p>
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<h3 class="has-black-color has-text-color has-extra-large-font-size">Tips To Save Money On Christmas Food</h3>
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<h4 class="has-black-color has-text-color has-large-font-size">GET GUESTS TO BRING SOME FOOD</h4>
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<p class="has-black-color has-text-color has-large-font-size">Most people will be happy to contribute to a buffet, or bring a specific starter or pudding, or even drinks – and this can drastically cut your holiday spending.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">EAT AT HOME MORE</h4>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">Instead of going out for meals over the festive period –&nbsp;entertain at home&nbsp;more. Christmas menus can be expensive!</p>
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<h4 class="has-black-color has-text-color has-large-font-size">DON’T OVER CATER</h4>
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<p class="has-black-color has-text-color has-large-font-size">Christmas is really only a few days, and you can all only eat a certain amount – it’s usually the case that people have leftovers for maybe weeks afterwards, or end up wasting a lot of food – so make a list of what you really need, and how many you are catering for each day and stick to it (your waistline will also breath a sigh of relief!).</p>
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<h4 class="has-black-color has-text-color has-large-font-size">USE LEFTOVERS WISELY</h4>
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<p class="has-black-color has-text-color has-large-font-size">Turkey soup is always a winner on Boxing day, turkey sandwiches as well… I see a lot of turkey in your future!</p>
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<h4 class="has-black-color has-text-color has-large-font-size">ALWAYS LOOK FOR CHEAPER ALTERNATIVES</h4>
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<p class="has-black-color has-text-color has-large-font-size">Whether it be using Aldi instead of Marks and Spencers, or going for non branded items in the supermarket of your choice – there are always ways to save something.</p>
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<p></p>
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<p></p>
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<h3 class="has-black-color has-text-color has-extra-large-font-size">Money Saving Tips For Christmas Shopping</h3>
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<h4 class="has-black-color has-text-color has-large-font-size">DON’T GO OVERBOARD</h4>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">Stick to a budget and don’t be tempted when you hit the shops to splurge (online holiday shopping can help to avoid the temptation still further).</p>
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<h4 class="has-black-color has-text-color has-large-font-size">USE LOYALTY POINTS&nbsp;</h4>
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<p class="has-black-color has-text-color has-large-font-size">Try and save them up throughout the year. Boots / Nectar / Tesco etc…all offer great loyalty schemes where savings really do add up, and it’s GREAT to be able to spend while not actually spending, right!?</p>
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<h4 class="has-black-color has-text-color has-large-font-size">SHOP AT OUTLET STORES</h4>
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<p class="has-black-color has-text-color has-large-font-size">Or shops like TKMaxx and Homesense to get quality products for less money.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">USE THE SALES</h4>
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<p class="has-black-color has-text-color has-large-font-size">If you won’t see some people until after Christmas, use the sales in January to buy their presents instead of buying them for full price before.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">SHOP ONLINE</h4>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">So you can’t be tempted by extra things as much as you would if you were walking past all the shops and their tempting window displays.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">SPEND A LITTLE MORE THIS YEAR TO SAVE NEXT YEAR</h4>
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<p class="has-black-color has-text-color has-large-font-size">Things like a fake Christmas tree will cost you this year, but you won’t have to budget for it again next year so you will save in the long run.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">USE A CASHBACK CREDIT CARD</h4>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">If you can to do all your Christmas shopping – BUT always pay it back asap as any cash back you earn will be lost against the hefty interest charged otherwise.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">USE A CASH BACK SITE</h4>
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<p class="has-black-color has-text-color has-large-font-size">To get some money back on your shopping (which you could save for next year ;o) ), why not use a cash back site&nbsp;such as Quidco or TopCashBack. You can earn money throughout the year and use it to pay for some of Christmas going forward as well. This is a no-brainer really because if you do a lot of shopping online, it makes sense to get some money back while doing so…</p>
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<h4 class="has-black-color has-text-color has-large-font-size">ALWAYS LOOK ONLINE FOR ANY COUPON CODES OR DISCOUNTS</h4>
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<p class="has-black-color has-text-color has-large-font-size">A quick Google search often leads to a little money saved.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">TAKE ADVANTAGE OF BLACK FRIDAY (AND CYBER MONDAY) DEALS</h4>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">For items you were going to get anyway – monitor shops for any deals they may be advertising and get them while they’re there.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">LOOK IN THE POUND SHOPS</h4>
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<p class="has-black-color has-text-color has-large-font-size">Or equivalent for stocking fillers for the kids.</p>
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<p></p>
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<p></p>
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<!-- wp:heading {"level":3,"textColor":"black","fontSize":"extra-large"} -->
<h3 class="has-black-color has-text-color has-extra-large-font-size">Money Saving Tips For Christmas Decorations</h3>
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<h4 class="has-black-color has-text-color has-large-font-size">BUY ONE NEW ITEM EACH YEAR</h4>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">Don’t try and revamp everything based on the trends and new stuff each year, as that will eat into your budget like nothing else! Instead, replace or add one new item each year so you end up with some gorgeous things that mean something specific to you and create memories for you each year.</p>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">We like to have one main decoration item in each room, and have collected them over the years – such as a picture, a tree, lighting, wreath etc… – but have also collected specific tree decorations for special years such as my daughters first Christmas.</p>
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<h4 class="has-black-color has-text-color has-large-font-size">MAKE THEM!</h4>
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<p class="has-black-color has-text-color has-large-font-size">Last year I loved making my own white salt dough decorations for our tree. This recipe was the one I followed and it worked beautifully:</p>
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<h4 class="has-black-color has-text-color has-large-font-size">BUY IN THE SALES</h4>
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<p class="has-black-color has-text-color has-large-font-size">Obviously this one won’t help in the current year, but come January all Christmas décor goes on sale, so this is the perfect time to buy it and save for next year.</p>
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<p></p>
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<!-- wp:paragraph -->
<p></p>
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<!-- wp:heading {"level":3,"textColor":"black","fontSize":"extra-large"} -->
<h3 class="has-black-color has-text-color has-extra-large-font-size">How To Save Money On General Christmas Spending</h3>
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<!-- wp:heading {"level":4,"textColor":"black","fontSize":"large"} -->
<h4 class="has-black-color has-text-color has-large-font-size">STREAMLINE YOUR SPENDING</h4>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">In the lead up to Christmas, <strong>go without a few daily extras </strong>to save a little more (like your morning coffee from the local shop, or your takeaways for a month etc…).</p>
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<h4 class="has-black-color has-text-color has-large-font-size">CREATE A CHANGE JAR</h4>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">In your hallway and add any change collected each day to it – it will build up to quite a sum over the year.</p>
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<!-- wp:heading {"level":4,"textColor":"black","fontSize":"large"} -->
<h4 class="has-black-color has-text-color has-large-font-size">DON’T PAY FOR EXPENSIVE ENTERTAINMENT</h4>
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<!-- wp:paragraph {"textColor":"black","fontSize":"large"} -->
<p class="has-black-color has-text-color has-large-font-size">Look for Christmas markets, carol services etc… in your local area that are free to attend.</p>
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<p></p>
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<!-- wp:paragraph -->
<p>To read the full article, <a href="https://organisemyhouse.com/money-saving-tips-christmas/">click here.</a></p>
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