Lat year I had 'high street vouchers' delivered at christmas - paid off the year before.
However this year I haven't as a few places have shut down and a few don't accept them anymore.
The same company does M&S ones though, just M&S vouchers like you get instore but you order thema nd pay weekly.
Can you use these in the food department? And could you do most of you Xmas shop in M&S food?
Tia x