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