With Christmas costing us an average of £435 this year, budgeting for the presents, parties and luxury foods can be tricky at a time when many of us struggle just to cover the basics.
That’s where our 12 deals of Christmas comes in.
Whether you want cheaper insurance, a market-leading mortgage rate or a new credit card, we’ve got thousands of bonus points, as well as cashback offers, vouchers and prizes up for grabs. Anyone for an iPad or free flights?
Keep reading because there’s even a sparkling cash prize draw to help your celebrations go with a swing….
The 12 deals of Christmas
1. Bag extra bonus points
Our first deal of Christmas is the AA credit card. It lets you bolt on 2,000 points (that’s the equivalent of £20 to spend in Boots, M&S or B&Q) when you spend on the card within 60 days of the account opening. This card has a representative annual percentage rate (APR) of 16.9% (variable).
2. Free £30 Amazon voucher with balance transfer card
We’ve got an exclusive deal with Barclaycard: take out the Barclaycard Platinum with extended balance transfer card offering 0% on balance transfers for 22 months, transfer a balance of £3,000 or more between December 1- 24 and get an Amazon voucher worth up to £30.
After the introductory period ends, this card has a representative APR of 17.5% (variable).
3. Moving your mortgage
As financial commitments go, the mortgage is a biggie. Switch from an expensive rate to a cheaper deal and you can slash hundreds off your monthly payments.
If your bank balance can cope with a rise in rates, staying on a lenders’ low standard variable rate or a tracker could save you cash. But if you reckon rates will rise and money’s a bit tight, skip to a fixed rate and you’ll have the benefit of knowing exactly what your monthly payments are.
The market-leading three year fixed rate at 2.89% is available exclusively via MoneySupermarket from Chelsea Building Society.
4. The ultimate Christmas gaming experience
There’s no need for special glasses with the Nintendo 3DS. The 3D portable entertainment system has it all built in, and you could win one with Mario Kart 7.
5. Win an iPad2
Thin, light and packed with features, the iPad2 is this year’s must-have gadget. Motor insurer Privilege is giving away an iPad2.
6. Never get lost again
Buy your car insurance or get a quote for a policy from the RAC to be in with a chance to win one of 12 Sat Nav systems. Drive into 2012 with confidence…
7. Festive food and drink paid for
Feel like a few more festive food and drink treats than your bank balance might allow? We’ve got your luxury foods sorted with this great grocery offer. When you run a quote with Tesco home insurance, you’re in with a chance to win £500 worth of food and drink paid for by Tesco.
8. Win a £1,500 Apple Store voucher
Treat yourself to anything from an iPod to an iPhone or an iPad if you win our huge £1,500 Apple Store voucher giveaway from Policyexpert.
9. Cash up for grabs
Need to transfer some money overseas? Do an international money transfer through HifX and you could win cash prizes. There’s £750 for the first prize, £250 voucher for M&S as second prize and the third prize is a £100 Virgin Wine voucher. The lucky winners can celebrate Christmas without worrying about their wallet.
10. Need a new bank account?
Switch to Santander’s Preferred current account via MoneySupermarket and the bank will give you a £30 Amazon voucher on top of a £100 switching incentive. Santander pays 5% annual interest a year on balances up to £2,500 if you’re in credit and also offers a 0% overdraft for the first year.
11. Extra credit card cashback
Cashback credit cards enable you to earn money when you spend. If you’re clever with your cash, why not save the cashback to fund next year’s celebrations?
The Platinum Cashback Card from American Express has a fee of £25 but we’ve got an exclusive cashback deal of £25, for new approved Amex credit card members, which will wipe out the fee and allow you to get a great rate.
12. Win free flights
Want to jet off for a city break or a sunny holiday? Insurefor.com has two pairs of flight tickets on Monarch to give away when you buy an Insurefor policy. Don’t forget your toothbrush...
Santa's secret deals
To kick-start our 12 deals of Christmas, we’ve got some extra surprises in store. 12 lucky winners can treat themselves to anything from luxury party foods to sparkly frocks and silk ties if they win £100 worth of M&S vouchers in our giveaway from insurers Echoice and More Than…
And that’s not all. We each pay an average of £920 each year on our car insurance, but in 2012, one lucky winner won’t have to. Motor insurer Swinton is taking the sting out of covering your car, by offering a driver the chance to do it for free.
Finally, you can get family entertainment off to a flying start this festive season with a Nintendo Wii package. There’s a motion-controlled game to suit every generation.
Please note: Any rates or deals mentioned in this article were available at the time of writing. Click on a highlighted product and apply direct.
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