I’m buying my Christmas presents this year via a free app to help pay off my mortgage

MUM-of-one Holly Smith is set to knock two years off her mortgage and save on her Christmas shopping by using a free app at the checkout.

The 32-year-old, who lives in Colchester, Essex, is on track to become mortgage-free early by making extra payments.

Holly, who works in marketing, and her husband, Ben, 32, who works in revenue Operations for a tech company, usually pay an extra £150 a month, bringing their overall mortgage bill to around £1,450.