Christmas shopping, skint style

Well we are off out, but we are paying in nectar points, gift cards, and Tesco clubcard double up points vouchers. Also been buying things on paypal funds which I’ve “earned” via quidco and online surveys. November wasn’t a good month, I was on holiday (which was fabulous but killed us in childcare), then I lost a few days sick, then tax credits sent us a £2k demand, sorry “invoice” due to them making mistakes EVERY year since my kids were born, and us duely informing them everytime. Family, be warned, you’re all getting 3for2 offer smellies from the nectar points, please fake a smile when you open them!