Just like Father Christmas, we recommend making a list and checking it twice. Without a strict Christmas budget, your present total will seriously start to add up. Before you sprint to the shops or order online, you need to take a seat, pull out a notepad (or excel spreadsheet), jot down who you actually need to buy for, and set a budget for each person. This way, you’ll have a clear tracker of who you buy for and how much you spend, so you don't find yourself scraping your pennies together for a last-minute gift.