You should start planning for Christmas next year as soon as this Christmas ends, according to our guest Fransceca.

The personal finance blogger, known as The Money Fox, tells our host Karyn Fleeting (aka Miss Thrifty) about how you can start saving throughout the year for Christmas and more.

She shares her advice on the best spending plans, the top sites, apps, and extensions to use, and potentially how to have a spend-free Christmas.

You can view The Money Fox's blog here: https://www.themoneyfox.com/

Christmas on a Budget is a Laudable production for the Manchester Evening News. It is presented by Karyn Fleeting, and it is produced by Daniel J. McLaughlin.

(Image: Getty Images)