Christmas is fast approaching but amazingly four million people are still paying off the debts accrued last year, and over a million Brits plan to finance this Christmas with a hugely expensive pay day loan.
As many as two-fifths of people surveyed admitted that they are worrying about how they will be able to afford Christmas this year, which is why we have produced this comprehensive guide with numerous tips on how we can all save money.
If you spend a few moments to go through this easy to read guide we can guarantee that you will save £100s - and best of all the guide, and all the methods included here, cost you nothing at all! Its all simple, easy and been tested by us, so there is little doubt that these next few pages will be extremely valuable to you.
All links are clickable, and open in new windows, so you can follow the stages, one step at a time, and by the last page you will have done all that you can to reduce your outgoings this Christmas!
Andrew Ryan
Money Saving Editor
from the editor
20 easy to follow steps that WILL save you ALL a lot of money this Christmas!