With Christmas being one of the most expensive times of the year, we've compiled some of the top tips from Martin Lewis, featured on Money Saving Expert:

Some Boxing Day sales start in time for Christmas!

Every year a few shops start their main 'Boxing Day' sales early. Kurt Geiger's sale is already on with up to 50% off, and H&M will follow suit on Thursday 17 December as well as ASOS with up to 60% off from Monday 21 December.

Work out what you can afford

Before you buy lots of presents, food and drink, make a list. When considering each item on your list, it can be worth asking yourself "How will I pay for it?"

Calculate your budget (see their free Budget Planner) and ask: "What can I afford to spend?" Christmas is one day – don't spoil the whole of the next year for it.

Find hidden gems on eBay

Whether it's video games or children's books, eBay sellers often specify items must be collected in person. As this means fewer bids, there are bargains to be had.

You can't normally search collection-only, so the Money Saving Expert has built a mapping tool. If you type in your postcode and how far you're willing to travel into the Local eBay Deals Mapper, it will show nearby bargains and gems to snap up!

The eBay Buying Secrets guide also lists a number of ways to save yourself money on eBay, including tools which find under-priced items and auto-bid to seal deals.

Find huge discounts at online outlets

To avoid driving to any outlet villages to shop for end-of-line bargains, take a look at the high-end shops which have online outlet stores! The Money Saving Expert's Discount Outlets guide lists some of the biggest and best names, including Argos, Kurt Geiger, Superdry and more.

If you are struggling financially, please contact our Income Recovery team to see what support you may be entitled to. The Money & Pensions Service have put together a great leaflet about effectively managing your money - take a look at it here.