With Christmas on the horizon, pennies are definitely tight for everyone. Even though we know it comes on the same day every year, it’s still a big expense! I think it’s impossible to properly budget for Christmas because you just don’t know what’s going to pop up and need paying for. That being said, DIY gifts are a great way to cut costs over the festive period. They’re also fun to make and will definitely make your friends and family smile. Read More