We’re now at the end of November and I don’t really know where the month has gone if I’m honest. It seems like Halloween was only a few days ago and now I need to be thinking towards getting the Christmas tree out of the loft ready to put up and to decorate the house on the first weekend in December. I think writing that has only just made me realise that it’s actually next weekend and I’m in a bit of a panic about it now. Every year before Christmas I like to have one big declutter and clean.
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