Many shoppers will be forced to dip into their savings to cover the cost of Christmas.
But this bargain-hunter has found a way to enjoy the festive season for free.
Cal Holder, 40, from Birmingham, uses coupons, promotions and freebies to save money on everything from premium skincare products to the Christmas turkey.
She has given up her job to focus on her hobby - known as 'couponing' - full time and has amassed a stockpile of goods worth some £5,000.
Ms Holder also visits supermarkets during rush-hour because she knows that is when shoppers are most likely to leave behind receipts with money-saving offers.
Over the last year she has earned £960 through picking up strangers' receipts - a practice known as 'wombling'.
And she is so successful she can even make £15 through cash-back deals on her weekly shop.
She said: 'It pays for our everyday expenses. I gave up my admin job around a year ago and have managed to live on my couponing.
'It is not just about couponing. It is about utilising every other kind of saving alongside this.'
The former administration worker wakes up at 4.30am to start her search the internet for the best deals on offer.
She also visits supermarkets during rush-hour because she knows that is when shoppers are most likely to leave behind receipts with money-saving offers.
Over the last year she has earned £960 through picking up strangers' receipts - a practice known as 'wombling'.
- MailOnline
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