12 days of money-saving : Shopping smartly

Updated
Christmas shopping
Christmas shopping

AP Photo/Kirsty Wigglesworth

The next few weeks will see something of a shopping frenzy. According to Tesco Bank, Brits are planning to spend an average of £325 on Christmas presents this year. Add in an average January Sale spend of £93 (according to Sheila's Wheels), and we can easily squander the best part of £500.

So we have five useful tips to ensure you spend this money smartly, save cash, and protect yourself.
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