Presents, food, booze and parties - these are just some of the activities many of us get up to over the festive period, but they don't tend to come cheap.
There is however a very savvy savings challenge which could see you raise £671.61 over a year, or £650 by Christmas 2022.
It works by saving 1p on January 1, 2p on the second day of the month and so on, until you reach £3.65 on the last day.
Of course to have the full amount of £671.61 ahead of Christmas next year you may need to double up your pennies here and there, WalesOnline says.
You can print out a template on paper to track your progress or even use banks like Monzo to start a savings pot on your phone.
Any mobile banking app will move the money into your pot for you, so you don’t have to worry about forgetting to save every single day.
Some savers like to switch things round by getting the bigger amounts out of the way as soon as possible, starting with £3.65 and working back to 1p.
For a more challenging option, you can switch the pennies for pounds, and save a total of £1,378 by the end of the year.
