Other tips

Second-hand or junk shops are another option. Make sure that the products are intact and in good working order. You can also make great savings during clearance sales, which crop up frequently throughout the year depending on the type of product.

Ask your friends too. Many of them will have things at home, which they no longer need. People are always happy to pass on children's clothing and toys.

If you are making a larger purchase, do not hesitate to ask for a discount. It is sometimes worthwhile buying display items from the shop window or showroom instead of buying them with their boxes.

Second-hand cars are also worth considering. Experience has shown that the value of a car dips most sharply in the first year. It is important to inspect the car carefully before signing the contract. The best thing to do is to perform a TCS text or ask an expert to come along with you to look at it.

It pays to be careful with your heating and electricity at home, such as switching off unnecessary lights and electronic appliances. Avoid leaving them on the standby mode and do not be too quick to put on the heating.

If you set aside some money for Christmas presents every month, it will ease the burden on your bank account during Christmas.