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The 12 tips of Christmas

As we count down to Christmas Day, get our top money-saving tips for the festive period and beyond.

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The 12 tips of Christmas

According to the classic Andy Williams song, Christmas is the most wonderful time of the year. But it can also be the most expensive.

In fact, Australians are tipped to spend almost $24 billion this festive period. That's a lot of Christmas crackers.

To help keep your silly season spending in check and give your overall finances an end-of-year tune up, we're sharing 12 top tips from our personal finance experts.

And the best part? These tips work all year round.

1. Track your spending

2. Take your subscriptions off autopilot

3. Manage your credit card debt

4. Find out what lenders know about you

5. Prioritise Future You

6. Create good money habits

7. Lower your household bills

8. Maximise your savings

9. Make extra cash using your things

10. Use your skills to make extra cash

11. Get smart with your shopping

12. Get rewarded for your spending

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