Traditionally a time for giving, many people end up over-spending and paying for Christmas well into the New Year. Students often feel especially skint at this time of year. Your student loan has probably just about run out and you won't get the next instalment until January.
So this year, think about what you are spending and why. Is that Secret Santa gift going to end up in the bin on Boxing Day? Do you need to send cards? A donation to a charity could save time and money!
Perhaps you can think about a No Unnecessary Presents Pact with friends or family? https://www.moneysavingexpert.com/nupp/
You can save money on gifts by giving time, making, upcycling or recycling. And you can reduce the environmental impact into the bargain!