Points mean prizes
Christmas is an ideal time to redeem the points you have accumulated throughout the year. You often have more than you realise so check the balance on all your loyalty cards before you go shopping.
Savvy shopping
Make the most of the promotional evenings and weeks that many of the big department stores hold in the lead up to Christmas, sometimes offering up to 25% off. Gift sets that are featured in 3 for 2 promotions are a great way to cut the cost of your present buying.
Picture perfect
Why not put a meaningful photograph in a nice picture frame for a personalised gift idea - it could be a shot of you and your best friend or one of the grandchildren and is a great way to make the most of all of your digital snaps.
Secret Santa
Whether you have a group of friends, colleagues or extended family members to buy for, why not organise a Secret Santa as this will reduce the amount of time you have to spend shopping for presents. You could even host a get together where you all exchange your gifts to make an evening of it and help get you in the Christmas mood. | 
