Five savvy ways to start planning & saving for Christmas now

IT may be summer, but the Christmas countdown is on.

With less than six months until the big day, it makes sense to start budgeting now to ease the festive financial pinch.

Here’s how . . . 

GET PREPPED: Work out how much you might need to spend for this year’s festive season, including gifts, decorations and food.

Divide the total amount by the number of weeks left until Christmas — 25 ...