finance

Earn cashback on your Christmas to help pay next year’s big day with these tips


IT is very tempting to splash the cash at Christmas.

But don’t let the ghost of festive debt haunt you into next year.

Earn cashback on your Christmas to help pay next year's big day with these tips

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Earn cashback on your Christmas to help pay next year’s big day with these tipsCredit: Shutterstock

Instead, here is how you can earn welcome cashback on your shopping to help pay for next year’s big day.

CYBER SAVER: Sign up to the topcashback.co.uk and quidco. com sites to earn money on everything from groceries to gadgets. Just click through their links to your favourite brands then shop as normal.

SAVE: £345 (what TopCashback users typically make in a year)

CARD TRICKS: American Express’s Platinum Cashback Everyday credit card pays five per cent on your first three months’ spending, up to a maximum of £100. Then it pays 0.5 per cent up to £10,000 and one per cent over that. But you have to spend a minimum of £3,000 a year in order to earn anything at all, so put as much of your shopping as possible on the card. You must set up a direct debit to pay back everything you spend each month, or you will wipe out your earnings with interest charges.

SAVE: £105 if you spend £2,000 in the first three months and £1,000 from then on

PIMP YOUR PAYOUT: Boost your payout on the American Express card with its Shop Small promotion, which runs until December 15. Activate the offer in the app and earn £5 in credit when you spend £15 in participating shops up to a maximum of five times. There is usually a Shop Small promo in summer, too.

SAVE: £25 if you spend £75

DEBIT DOOZY: Get one per cent back on your first year’s debit card spending with a current account from digital bank Chase and three per cent when you shop at Amazon up till December 31.

SAVE: £50 if you spend £5,000 in your first year

LAYER UP: Combine cashback cards and websites to super-charge your earnings.

  • PRICES correct at time of press. Deals/offers subject to availability.

Deal of the day

This Oral-B toothbrush and travel case is £40 at Morrisons

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This Oral-B toothbrush and travel case is £40 at Morrisons

SMILE bright with this Oral-B Pro 3 3500 black electric toothbrush and travel case, down from £90 to £40 at Morrisons.

SAVE: £50

Cheap treat

This Cath Kidston tin of Cadbury Roses is £6 at Asda

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This Cath Kidston tin of Cadbury Roses is £6 at Asda

WHO doesn’t love a few Cadbury Roses at Christmas? This pretty Cath Kidston tin is just £6 at Asda, down from £8.

SAVE: £2

What’s new?

BOOTS is offering the No7 Elizabeth Scarlett The Ultimate Cosmetic Collection in a cute orange embroidered make-up bag for just £25, down from £50. It’s got £78 worth of goodies inside, including mascara, lippy and primer.

Top swap

This stunning Thomas Sabo gold-plated feather ring is £298

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This stunning Thomas Sabo gold-plated feather ring is £298
Save £243 with this adjustable plume ring from Fiyah for a much more affordable £55

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Save £243 with this adjustable plume ring from Fiyah for a much more affordable £55Credit: www.mondoolfi.com

GO all-out with this stunning Thomas Sabo gold-plated feather ring for £298. Or swap it for the adjustable plume ring from Fiyah for a much more affordable £55.

SAVE: £243

Leah’s little helper

BEFORE applying for a credit card, use an eligibility checker to see if you are likely to qualify. Getting rejected for credit applications can damage your score and make it harder to borrow in the future. I like the one on Money Saving Expert’s Credit Club at moneysavingexpert.com/creditclub

Play now to win £100 on The Sun Raffle

JOIN thousands of readers taking part in The Sun Raffle.

Every month we’re giving away £100 to 250 lucky readers – whether you’re saving up or just in need of some extra cash, The Sun could have you covered.

Every Sun Savers code entered equals one Raffle ticket. The more codes you enter, the more tickets you’ll earn and the more chance you will have of winning!

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