I know that Christmas can be an expensive time for a lot of people and we all can worry about how we will find the money that we need to spend. So the good folks at the Institute of Inertia asked me to put together my top six tips for being a savvy spender this Christmas. Before I go on to the fab tips, “what is the Institute of Inertia”? I hear you ask. Well it is a panel of experts and me and Ricky from Skint Dad, I wrote about them here.