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pennysmartcic.bsky.social
Pennysmart CIC
@pennysmartcic.bsky.social
'Financial wellbeing is our business'.
Free to client money, debt and benefits advice service.

We are authorised and regulated by the FCA No 618817.
Don't forget the last day to send your Christmas post.
The cut-off date this year for 2nd class is Wednesday 17th December.
1st Class is Saturday 20th December.

www.postoffice.co.uk/last-posting...

#moneyadvicexmastips #moneysaving #christmas #moneyadvice #royalmail #postage
December 15, 2025 at 12:01 PM
Don't wait till Spring for a clear out - have a sort and flog any unwanted items for money towards Christmas.
Or give them to charity.
It also helps clear space around the house too.

#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #flogit #XmasSortOut
December 11, 2025 at 12:00 PM
Crowdfund your Christmas.
Pool money and resources to spread the cost and cut down on excess and waste.

#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #crowdfundxmas #secretsanta
December 9, 2025 at 12:02 PM
Christmas Money Advice Tips - Cashback
If you have to spend - earn something while you do it.
Find the best buy first & then look at what cashback offers you can get on top.
Sites like TopCashback, Quidco & KidStart

#moneyadvicexmastips #christmas #moneysaving #moneyadvice
December 5, 2025 at 12:02 PM
Work out what your budget is for Christmas.
There are many free tools that can help work this out for you, such as -
www.moneyhelper.org.uk/en/everyday-...
Download our household budget - www.pennysmart.org.uk/client-docs/...
#moneyadvicexmastips #christmas #moneysaving #moneyadvice #budgetingtips
December 3, 2025 at 12:01 PM
Christmas has become a time of excess, but do we really need to buy half the things we do? Audit what you need to buy & ban unnecessary gifts & spending.
www.moneysavingexpert.com/2009/11/is-i...

#moneyadvicexmastips #christmas #moneysaving #moneyadvice #christmastips #budgeting #unnecessarygifts
December 1, 2025 at 12:02 PM