With summer over many are starting to plan for Christmas, and fiunance experts say you sould save £3,000 before the end of the year with a few easy changes. Carlton Crabbe, a financial adviser at Capital for Life , said there is time to get ahead and avoid falling into the January debt spiral.

Carlton said: “If you start now, you could comfortably save close to £3,000 before Christmas. It’s about small, consistent changes. No one likes to feel deprived, so these are practical tweaks that really add up.”

Carlton’s ten tips cover everything from your weekly food shop to your weekend plans. And he says one of them could see you banking £500 by early November.

“Supermarkets are clever,” says Carlton. “They put the expensive stuff right at eye level. If you simply lower your gaze, you

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