Clever ways you can ease the cost of Christmas

FROM SECOND-HAND GIFTS TO SPREADING YOUR SPENDING, EXPERTS OFFER THEIR TOP FINANCIAL TIPS TO GET AHEAD OF THE FESTIVE SEASON

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IT may feel like it's way too early to start thinking about Christmas. But if you're on a tight budget, the best way to minimise any festive stress is by starting your Christmas shopping now.

Financial experts say starting to make Christmas purchases in September will spread the cost over several paydays, as well as giving you more time to find the best deals and making it less likely that you'll overspend in a last-minute rush.

New research from the thinkmoney banking app has found 26% of Brits are planning to get their festive budgets together before the end of September, and 39% intend to start Christmas shopping before November.

"Starting your Christmas shopping early is one of the simplest ways to ease pressure on both your wallet and your stress levels," says Vix Leyton, a consumer expert at thinkmoney.

"Giving yourself more time means you can make thoughtful choices, track down the best prices, and avoid the last-minute scrambles that lead to overspending.

"It also spreads the financial load over a few paydays rather than relying on one already stretched December budget.

"It's not about going full Santa mode in September, but starting small - even by just making a list - gives you more control and less stress. Your budget and your blood pressure will thank you for it."