It’s that time of year again. No sooner have the summer holidays drawn to a close, and the shops are filled with advent calendars and tree decorations. Christmas is officially coming. While many of us look forward to exchanging gifts and seeing loved ones, there’s no doubt that the festive period can also be stressful.
The vast majority of us would like to have a little more money left over at the end of the month. It’s not always possible to boost your earnings, but often, there are ways of increasing the size of the gap between your income and outgoings by reducing spending. If you’re looking to make savings,