Switch your bank account – you can get up to £150 just for switching bank accounts. I personally recommend First Direct as I’ve had a great experience being one of their customers and they are recommended by Which.
Start a side hustle. It’s not going to make you rich overnight but you could earn an extra few hundred pounds in time for Christmas – or even help ease the financial pain of January. I run a part-time franchise business and now that I’ve being doing it for over a year I’m looking for others to mentor. Send an email to firstname.lastname@example.org if you'd like more details.
Sell unwanted items online. I did this last Christmas and made an extra £100 which paid for Little Miss Diva’s present. I sold a Babyliss hair curler that I'd only used once or twice, roller skates, Heelies and clothes. Use Facebook selling sites as these are free and convenient for your buyers.
Stating the obvious a bit now but make sure you get your presents for the best price. This is going to take time and research! Make a list of must have items and spend Black Friday shopping from the comfort of your sofa. Feel free to share any deals on the Broke in Bristol Facebook page.
There's no need to spend more than £5 on a REAL Christmas tree. Ikea is selling them for £25 – but you get a £20 voucher back to spend from January 14. Great if you’re an Ikea shopper and you would use the voucher anyway.
Sort out your bills. If you don’t religiously switch every time your deal ends then the chances are you’re paying too much. Too many people are still not switching their gas and electricity, landline and broadband and mobile phone deals – but you could be saving £50 a month. If you’re looking to pay less for the services you use anyway, send an email to email@example.com
Only buy items that you can easily return. Most shops will let you return items so make sure you keep the receipt. The most returned items tend to be women’s clothes, exercise gear, balloon trip vouchers and hip flasks according to The Guardian – so perhaps steer clear from buying these in the first place. You can also leave stuff in your online shopping basket to see if they send you a tempting offer by email.
Secret Santa. If you really must buy presents for extended family then why not agree to try Secret Santa so that it’s just one present you have to buy instead of loads. Try drawnames.co.uk, which is a free app designed for this.
Cancel your subscriptions. I regularly cancel my Now TV cinema package because they then offer it to me for £2.99 a month instead of £9.99. Try it – it works! While you’re on a roll , conduct a health check of your bank account and cancel any direct debits for services you haven’t used in the last 6 months.
Check for PPI – time is literally running out – you have until August 29 2019. I know people who have had thousands back and although I haven’t had credit cards or loans for the last 12 years, I have just put a claim in as I was a bit of a spendthrift when I was much younger. I won’t get the cash before Christmas but it will help make January a brighter month! Don't forget to like the Broke in Bristol Facebook page to never miss a local bargain or free or cheap family event.