With December upon us, you will start to see some of my Christmas posts popping up.  Christmas seems to start earlier and earlier each year and, although I love Christmas, I am not a fan of all the hype starting before December! 

I think that it just encourages people to spend more and more, without adding up the total cost.  Research by The Money Advice Trust shows that around a third of Brits go into debt to pay for Christmas.  With the average credit card debt per household already sitting at over £2600, according to The Money Charity statistics in November 2019, it is hugely worrying that a third of people are now adding to this debt to pay for Christmas. 

Please have a look at my Christmas posts, which are all designed to help you spend less, without compromising the fun and pleasure that Christmas can bring.  

£100 for an advent calendar?  Really!!

When did Christmas get so stressful? 

Does social media make you spend more?

You might also like my Cut Costs at Christmas course, which is designed to help you have the best Christmas ever, with the least stress and with no overspending. 

Check out the Cut Costs at Christmas course

Some of the UK Money Bloggers have teamed up to offer you a fantastic prize selection. There are eight Christmas Afternoon Treats with Flowers M&S hampers up for grabs, worth £50 each. That means eight lucky winners will receive a hamper in time for Christmas! 

Meet the bloggers taking part

The bloggers taking part in this festive giveaway are:

EmmaDrew.Info | Shoestring Cottage | Your Money Sorted | Thrifty Londoner | Much More With Less | Thrifty Lesley | Pounds and Sense | The Money Whisperer | Inspiring Life Design | Budgeting is a Challenge

Bee Money Savvy | Joleisa | Mind Over Money Matters | The Reverend | Charlotte Musha | Earning By The Sea | SueFoster.Info | Katie Saves | The Money Saving Mum | MamaFurFur | Daily Deals UK | Thrifty Husband

Everyday, Freebies and More | Melanie's Fab Finds | Mrs MummyPenny | Bronni | Brit on a Budget | Miss Penny Money | Your Best Friend's Guide to Cash | Money Blog Scotland | I Beat Debt | The Savvy Sisters

IMAGE 5 Looking After Your Pennies | Bang on Blanks | Miss Manypennies | Lylia Rose | SavvyMumUK | Monethalia | The Female Money Doctor | Broke Girl in the City | Mummy Saver Money Maker | Mum on a Budget | Bargain Bunny | Not Taught at School | Savings 4 Savvy Mums

Glitz & Glamour Makeup | Debt Free Family | Side Hustle Directory | The Somerset Foodie | Financial Expert | Get Paid to F.A.R.T | Savvy in Somerset | A Thrifty Gamer | Mrs Pinch | TuppennysFIREplace | Reinventing Neesha | Alieshia | Sunshine and Rain | Thrifty Chap Glitz & Glamour Makeup | Debt Free Family | Side Hustle Directory | The Somerset Foodie | Financial Expert | Get Paid to F.A.R.T | Savvy in Somerset | A Thrifty Gamer | Mrs Pinch | TuppennysFIREplace | Reinventing Neesha | Alieshia | Sunshine and Rain | Thrifty Chap

Skinny Spending | Money Making Mum | My Money Cottage | Money Tips Blog | Emily Brookes | Frugal Family | Beauty Markdown | Boost My Budget | Make Money Without a Job | Family Budgeting | The Mini Millionaire

This Money Works | Broke in Bristol | The Bloglancer | The Money Principle | Slimming Violet | Savvy Squirrel | Extreme Couponing & Deals UK | Ruth Makes Money | A Balanced Belly | My Debt Diary

The prizes

There are eight Christmas Afternoon Treats with Flowers M&S hampers up for grabs, worth £50 each.  If the hamper is no longer available when the winners are drawn then the winners will be offered an alternative hamper from M&S worth £50 each. 

Enter to win

To enter simply complete any or all of the Rafflecopter entry widget options below.  The competition closes at midnight on 14th December 2019. If the hamper selected is sold out then we will offer an alternative M&S hamper worth £50. You can see the widget for the full terms and conditions of this giveaway. There are plenty of ways to enter this giveaway. 

 Click to enter the Rafflecopter giveaway

Good luck!