“Christmas Time, Mistletoe and Wine” How many times have you heard this so far and maybe its only November?

A few I’ll bet, but with Christmas seemingly becoming earlier to us each year, we will no doubt feel the need to get ahead with our present and food buying.

This though only leads to us spending more than we should.

This is because with the shops full of decorations and Christmas tunes, the stores are dictating to us that we have to buy our gifts now, which will mean by the time December has come and gone. We would have spent more over the 2-month period that the shops have been full of Christmas cheer.