Want Xmas 2013 to run smooth

[daisydee43]

I know it's way off but I felt so unorganised this year. Basically waited until dec mortgage came out and spent what I had left but had to get 2 overdrafts and still only got small gifts.
I can't store presents as in a flat but I know next year will be big deal for dd so want to make it good,

What's your best money saving Xmas tips?

er...No. Rule no 1 is DON'T leave money building up on survey sites, cash it out as soon as you can. If they go bust or disappear you will lose it all.

although interest rates are terrible at the moment, make sure YOU get whatever there is. If you use savings clubs or savings stamps, THEY get it and it is not protected if they disappear.

if you really can't control your spending (and that is a big issue which means you probably should not be going mad at Christmas) then set up a separate savings account in YOUR name for your Christmas fund. Make sure it doesn't have a cash card.