Kate Richards has sorted Christmas for husband Iain and their son Fred thanks to her savvy saving (Picture: SWNS)
A simple money hack has saved a mum-of-one more than £650, paying for all of her Christmas presents.
Kate Richards, 33, starts by saving 1p on January 1, then 2p on January 2, and so on until she reaches £3.65 on December 31.
This adds up to a total of £667.95 tucked away by the end of the year – enough to sort Christmas for the whole family.
The teacher, from Huddersfield, said: ‘There’s an app and it automatically moves money into your account for you.
‘By the end of the year you’ve got £667.95, and you don’t notice it coming out every day. I’ve done it since 2019 and used it every year for Christmas shopping.’
She added: ‘I already have all my presents wrapped and everything, it’s all done.’
The app is called IFTTT which automatically saves an increasing amount of money every day.
Kate Richards’ presents are already wrapped and ready to go (Picture: SWNS)
Kate can even afford some Christmas treats like the human sized snow globe (Picture: SWNS)
Ms Richards says she also uses another idea touted by money saving expert Martin Lewis – a secret Santa with her relatives instead of buying each person a gift.
She previously spent £20 each on seven people, totalling £140.
But her family now have a £50 limit for one present, cutting costs by almost a third.
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‘It’s more fun as you have to think about one person and what they would really like,’ she added.
‘With one person you can think a bit more.’
The savvy mum also uses a website called thingstogetme.com to organise Christmas lists for her son.
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A simple money hack anyone could do.
