Not sure what title this should come under xmas

[Greensky91]

I know it's only May, but I'm looking to start xmas shopping, I'm wondering if there's anywhere, that you can pick a bunch of stuff and pay it weekly or monthly then receive the items once it's paid, I've a rubbish credit score because I was silly when I was younger but I think if there was anywhere like this I'd be a better option for me TIA XX

My friend buys gift cards on payday £30 for different shops each month all through the year then uses them to buy her Christmas gifts. Maybe buy ones for a certain store or live to shop vouchers which can be used in loads of places.

Why don't you try signing up to Park, you pay a set amount per month for shopping vouchers for a huge variety of shops which you get delivered to you in October. I'm paying about £20 per month so that I don't have to find the money all at once.

Just save the money up. That way your money is safe.

You can do this with park instead of getting vouchers at the end you can just pay off certain items. Studio do the same

Problem with gift vouchers and some xmas savings things, is that they're not covered by financial guarantees, so if the company/shop goes bust you lose it all. That's what happened with Farepack, a few years back.

How about saving it into whichever savings account will give you the highest interest (around 2 - 4%, more if you can put it away for a certain period of time or don't make any withdrawals until the final one). Then you'll have more money at the end.

In the Christmas topic you'll find a thread where people discuss Christmas bargains. I think they pretty much get started on Boxing Day.

I've bought this early but my son had started playing with other things the closer we got to Xmas.

I'm also using park. I put 40 a month in and I'll get 300 of vouchers in October. I'm useless at saving and this year I have a child I'll need to buy for including her birthday in november.

I didn't bother with anything for Xmas for her last year as she was only 6 weeks old.

Get a 30 day access savings account, that way you won't dip into it until november. You don't need a good credit score to get a deposit account.

Pay now collect later is risky - the shop/company could close down

Like this one charitybank.org/ethical-savings/savings-account-1
set up a direct debit from your current account

"Withdrawals: Send us a signed letter to withdraw your money and you’ll receive it at the end of your chosen notice period."

^ see! difficult to dip into, so the temptation isn't there