Tips for starting your Christmas shopping early

I often mention that I have started my Christmas shopping early in summer and I know a lot of people roll their eyes but there are actually several good reasons to start early. It’s a great way to spread the cost throughout the year and not panic about the amount of money you are spending in November and December. I know you can save money each month for your Christmas shopping but if you are the kind of person who knows they will dip into that savings pot, then buying the presents early stops that happening. If you plan ahead you can also make the most of sales and offers. I bought a perfume in a summer sale with 20% off this year. I know some shops will do last minute Christmas sales, but

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