IT is very tempting to splash the cash at Christmas.
But don’t let the ghost of festive debt haunt you into next year.
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
SMILE bright with this Oral-B Pro 3 3500 black electric toothbrush and travel case, down from £90 to £40 at Morrisons.
WHO doesn’t love a few Cadbury Roses at Christmas? This pretty Cath Kidston tin is just £6 at Asda, down from £8.
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.
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.
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
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