We wait for it all year and then wham - it's December. You now have less than 3 weeks to get all the Christmas preparations done.

That means the rising panic that sets in as every toy you need is only available in the Outer Hebrides, complete thought wipe-out whilst you try to think of presents within your price range that will still look pricey when unwrapped by extended family on Boxing day, then you realise the next pay day is after Christmas.

Urgh. Save yourself some hassle this Christmas with these top tips on how to . . .

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