There’s no question about it, Christmas is an expensive time of year. Even if you manage to keep your gift spending sensible, there’s still all the food, parties and travel to account for.

While it might be a little late to turn your budget around for this Christmas, there are lots of ways you can save for next year. It simply comes down to adjusting your habits and keeping an eye on those little everyday spends that, over 12 months, can really add up.

Check out our Christmas Savings Calculator and, if you follow its advice, you might find yourself a bit better off this time next year.