We all know that Christmas is an expensive time of year but more so for parents of older children! Their wishlist’s get bigger but the size of the gifts get smaller and they never look like they have much, even though that tiny little gift probably cost in excess of £200!

You don’t need to worry though, there are plenty of ways to get more for your money by just changing your shopping habits. In a time when food is expensive, utility bills are on the rise and people are finding themselves struggling more and more, it has never been more important to make savings. Christmas is unavoidable but paying high prices isn’t 😀

Toys R Us are doing a scheme where you can reserve your toys in-store and pay off over 4 weeks, 8 weeks or 12 weeks. This includes expensive items such as computer consoles too, so if you struggle with budgeting or just get paid monthly this might be helpful. It’s basically over 1, 2 or 3 months. If this is something you might be interested in considering, this is the month to start.

Simply go to the store and choose your presents, leave a 20% deposit and pay a £5 administration fee. Toys R Us will store your gifts and you pay when you have specified. If you find yourself unable to pay for the goods in the future, they will return your money minus the admin fee of £5 plus a cancellation fee of £10.

I think this is pretty reasonable, don’t you? 🙂

Of course, you may be familiar with other companies that allow you to pay off installments such as catalogues and store cards but most of these have interest rates so over the long-term you will always be paying more – that is, unless you manage to get them paid off before the interest kicks in. They do have their uses and many mums rely on them for Christmas and other occasions but it is easy to get into difficulty paying and you can sometimes be left with a damaged credit file

Read the full original post here authored by Caroline Devlin. You can visit her blog here.

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