Gift aid
Choosing Christmas presents for your children and partner that will be appreciated without breaking the bank can be a tricky task.
But you can simplify the process – and make sure everyone cherishes their goodies – by adopting the ‘four rule’ gift-giving trend.
This means every family member gets four items to unwrap: something you want, something you need, something to wear and something to read.
Devotees of this method believe that, rather than being miserly, it improves gratitude, reduces waste, cuts stress and allows you to stick to a budget, as well as investing
