Newspaper article Evening Chronicle (Newcastle, England)

Quids in at Christmas; BEST TV by Jen Rodger & Neil Batey We Love Don't End Up with a Big Debt This Christmas - Just Take Martin's Money-Saving Advice

Newspaper article Evening Chronicle (Newcastle, England)

Quids in at Christmas; BEST TV by Jen Rodger & Neil Batey We Love Don't End Up with a Big Debt This Christmas - Just Take Martin's Money-Saving Advice

Article excerpt

New series THE MARTIN LEWIS MONEY SHOW Fri ITV 8pm n a tight budget? ODreading the cost of Christmas? Us too! But don't despair - money saving expert Martin Lewis is coming to the rescue. He's kicking off his new nine-part series with Saira Khan on so-called Black Friday. "It's the day retailers slash their prices in the run-up to Christmas," explains Martin.

And he predicts when shops will be launching their sales.

"Last year, I was 90 per cent accurate," says Martin, "and I'm even more confident this year!" Here are the money-saving guru's best ways to cut costs and still have a Happy Xmas...

Martin's Top 10 Christmas Saving Tips 1 Don't pay for Christmas from December's income. Put aside what you can afford in the months before, then work out what is the best possible Xmas you can afford within your budget.

2 Delay Christmas! The most expensive time to buy is just before December 25, the cheapest is just after. Give your family an IOU on Christmas Day, then buy the present later in the sales. Just buy a couple of small gifts for the day itself.

3 Bag 5 per cent off your shopping. Cashback credit cards pay you each time you spend on them. Set up a direct debit to repay in full each month to avoid interest, and you're quids in. The cashback's usually paid on the anniversary of opening the account. The Amex Platinum Everyday (above, min income PS20,000) pays a huge 5 per cent back, up to PS100, on all spending in the first three months. After that, it's up to 1.25 per cent. So apply now and the big cashback may cover Xmas next year (fail to fully repay and it's 19.9 per cent APR).

4 If you don't know what to give, donate to charity in your friend's name - perhaps the Ebola fundraiser via www.dec.org.uk. Or, buy a gift card that tells the recipient what you bought in their name. …

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