Are you looking to stick to a budget this Christmas?

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Switch for a better deal

“Many of us obediently pay our bills throughout the year and not give it a second thought. However, checking to see if you’re still on the best deal or switching to a different provider could make all the difference this Christmas,” Ms Laidlaw pointed out.

“Look into switching energy provider, broadband, TV package, gas and electric company or even your gym. If you’re happy with your current provider but see a better deal being offered somewhere else, don’t be afraid to haggle.

“Keep an eye out for any bank switching incentives, with several banks now offering a cash incentive to attract new customers. This bonus can be as much as £175 and could go towards present buying or be a personal gift to yourself. Alternatively, you could lock it away in a savings account to save spare cash for next year’s Christmas fund.”

This week, the Money Saving Expert founder Martin Lewis told Warm Home Discount

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