We can't believe the year is coming to an end so quickly: as one gets older, the years just seem to get shorter.
Christmas is almost here, again, and oily rag households are busy planning for the special day.
Fortunately, the oily rag community has lots of ideas to take the cost out of Christmas but leave in the fun. Here are some tips to unlock your creativity.
A Wellington reader writes: I have recently been trawling galas, garage sales and op shops for Christmas pressies for the kids. You can buy fantastic gifts at very reasonable prices. I have bought all my nieces and nephews puzzles and games of their favourite cartoon characters for 20c each and they are still in almost new condition. My nieces are also getting jewellery boxes that were less than 50c each and my son is getting a huge box of Lego we found for $5. I cannot believe how little we have spent so far and the fantastic toys and gifts the kids are getting this year. Have also saved some presents for birthdays, too.
Check out the number of credits you have on your reward cards. Redeem your points for products or vouchers and use them as gifts. This is a great way to save cash - and for some it's like being a member of a Christmas club. The beauty is whoever receives a voucher can use it at the Boxing Day sales and make it go even further than it would the day before.