We know it's still early to start talking about it - but Christmas is less than 3 months away.
So start getting organised now to save your hard-earned pennies and help make the cost of the festive season more manageable.
1. Spread the cost over your next 3 paychecks
One of the biggest worries many of us face at Christmas is budgeting for the festivities - which can lead to spending your entire December paycheck on presents.
Avoid this by not leaving it late - start buying your loved ones’ gifts over the coming weeks.
This will enable you to spread the cost - while also avoiding the inevitable struggle to find a suitable gift for someone when the big day is looming large.
2. Make a list, set a budget - and stick to it
Write a list of everyone who you will be buying a gift for, with a few ideas to get you started - and set your budget for each person.
Be ruthless with your plans - if you say you’re only going to spend a certain amount of money on any individual, set your budget and stick to the limits you have set.
3. Look out for flash sales
Flash sales, especially online, can really help to tighten the purse strings and allow you to get more for your money.
Most High Street retailers hold an autumn sale, so look out for signage and advertising in the weeks ahead.
4. Hunt for discount codes
Sign up to the online newsletters for your favourite brands - and those which your loved ones prefer! - to receive prior notifications of sales, as well as handy online discount codes.
5. Make your own
We're not suggesting that you make everything, but it is a nice touch to supplement your shop-bought presents with home-made gifts.
How do you plan your Christmas shopping and festive budget? Tell us on our Facebook page.