Sally Mills says she uses the method herself and her family loves it
A money expert has shared how to have a debt-free Christmas - including opting for Secret Santa and using charity shops. Sally Mills, 47, spends her days advising clients on how to clear their debts.
She advised checking out Pinterest for ideas on gifts you can DIY - and said you're missing a trick if you shy away from charity shops. Sally, who works for the charity Christians Against Poverty, said: "Ultimately you can't buy people's love. They use an app called Elfster to allocate people names and you can also write wish lists and link ideas to give your Secret Santa inspiration. Sally says this way everyone gets something they really like.
Similarly Sally suggested having a conversation around who you want to buy for - and set some boundaries. She suggested having a conversation with adult cousins, siblings and siblings-in-laws, about whether presents are necessary. She said: "We made an agreement with my brother and his wife - we only buy presents for my nephew, and they only buy for our kids."
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