Im gonna get shouted at for saying ths but its only 7 months to CHRISTMAS DAY.

Well you'll be just settlng down after your busy day (abit) unless you are having  party.

Whatever you do dont over max your credit card or debit card.

You know you do that every year and you just dont know how you are going to pay it  bt whats the betting you'll do it again.

I've been put a few pounds away each week and I may have enough to pay for my side of the familys presnt but I'll keep saving till I can pay for family and fiends and I will get it all as I have every year without getting in debt.

I may even have a few pounds left to get my wife a BIG present.

Of course I'll save enough for ALL  the family and freinds as I dont get into debt.

Yes. Ive have been in debt but I got out of it in no time and kept level:)

So if I can you should be able to.