Last Minute Penny Pinching Ideas For Christmas

With Christmas being less than 2 months away, it’s getting the the time where people start to panic buy, put purchases on credit cards and figure out how they’re going to pay for a Christmas they maybe cannot afford. There is still loads of time save some money so here are some last minute penny pinching ideas for Christmas! Loyalty Cards I have a Sainsbury’s Nectar card which I use on a daily basis. We live across the road from Sainsbury’s so this is where I do all of my shopping. I try to save my points up all year

Christmas Shopping: Online VS In Store

Christmas will be here before you know it and just recently, I’ve been thinking about how I like to do my Christmas shopping. With Erin’s birthday being on New Year’s Day, Christmas is a very busy time of year for us and it could all get a bit manic… if I let it. I certainly can’t afford to pay for Christmas and Erin’s birthday within the space of a few short months so this is the best way for me. SwiftMoney recently surveyed 1000 members of the British public and found that 54% prefer in-store shopping, compared to 46% online. I honestly didn’t

The sacrifices we make

My mum came to stay recently and we got to talking about the classes that Erin attends during the week. A friend had asked how we manage to afford so many classes. As a mum themselves, she knows they don’t come cheap! Currently, Erin goes to four different baby classes each week. These are as follows: Monday – Swimming (£91 a term; about 12 weeks) Tuesday – Baby Yoga (£30 for 6 weeks) Wednesday – Music in Motion (£40 for 12 weeks) Friday – Baby Sensory (£70 for 10 weeks) For roughly 12 weeks of everything that comes to a massive £261! Now, as we have