I know, I know- it’s only October, but I am already thinking about how I will be saving money for Christmas this year, and one of the ideas I have had is to make home made christmas gifts! Everyone knows that Christmas is one of the most expensive times of the year. this can also unfortunately mean that it can cause  a lot of stress if money is tight! I read an article in The Independent last year that said:

“On average Brits anticipate spending £342 on Christmas presents this year with £303 going on credit cards. Paying back the money they borrow for Christmas is also expected to take some time with the average household saying it takes four and a half months.”

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