Brits to spend £560 celebrating Christmas
By Ed Towner
Despite the economic turbulence, the average person will spend around £560 celebrating Christmas this year, while almost half of Brits are not planning to cut back on gift spending at all, according to the HSBC Christmas Spending Survey.
The biggest spenders will be those in the North-West of England, who will set themselves back more than £852, as well as those aged between 35-44 who will shell out around £605.89.
In addition to this, 20% of people say they will spend more this year compared to last year, while 22% have said they will spend less.
The research also reveals that many shoppers will try to get the best value for their money, with over a third planning to use discount vouchers and 34% planning to take advantage of retailer rewards points when they can.
The more ruthless shoppers, 14%, are dropping people from their present list. What's more, 8% of people say they may just wrap up last year's presents, while another 6% will resort to second-hand items as presents.
Nearly 70% of people will fund their shopping from their salary or savings, says the research. But worryingly, 21% admit that they will borrow money to pay for presents.
As we revealed recently , paying for Christmas on your credit card could take as long as eleven years to pay off. Yet despite this, credit cards and store cards are very popular with those aged 35-44 (22%).
Meanwhile, using an overdraft facility will be especially common among those aged 18-24 (13%), while some will be relying on payday loans, personal loans and borrowing from friends and family.
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You may be able to seek the help of a debt settlement company if the student loans are not government-guaranteed, but be aware that student loans are generally not dischargeable in bankruptcy. If you can, avoid check-cashing stores or payday loans.
store cards are very popular with those aged 35-44 (22%). Meanwhile, using an overdraft facility will be especially common among those aged 18-24 (13%), while some will be relying on payday loans, personal loans and borrowing from friends and family.
payday loan providers to cable television companies and cigarette companies — who would like to sell their products to school-lunch eligible families at government-endorsed discounts. The FCC reportedly says the discount broadband service is going
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