From buying all your presents, cards and wrapping paper in the January sales to making your own paper chains... we'd like to know you're yuletide cash saving tips.

Give people things you found in the shed.

I knew someone who went beyond buying the wrapping paper in January, and actually bought everything christmas related in January. Wrapping, tree, decorations, lights, presents...etc. She used to buy two extra presents in case she made new friends during the course of the year.

If I buy things too far in advance I usually change my mind over what I want to buy for a certain person. What seems apt in January might not seem so good a gift in December.

And then you forget what you boughtin the sales and buy it again, or can't remember where you hid it!!

Do your Chrimbo shopping in the sales and give the product next christmas.

If I buy my gifts early I never feel that I'm doing enough in December so have a tendancy to buy more..ugh

I give every body Humbugs.....Bah

Thanks to everyone for the useful Yuletide tips! I've already bought Christmas cards in the sales for next time round - and a few birthday presents for the coming year.

Shameless Series 2 DVD winging its way to makeo who came up with several good tips. I especially like send presents to family friends as a family rather than one from every member of the family. That'll save some pennies!

Hope everyone had a good Christmas - and all the best for 2006.