CHRISTMAS can be an expensive time of the year – but you can put cash back into your pocket if you make the most of saving schemes.
A number of supermarkets offer Christmas saving schemes, and offer cash back as an incentive for you to sign up.
The more you save into the scheme, the bigger the cash reward you get – we explain how it works.
However, most of the schemes on offer require shoppers to put money into their accounts before they dish out cash bonuses.
This means that you'll have to spend a certain amount of money in order to get money off – so if you're on a budget and are planning to save less, you might want to think about whether to sign up.
But if you have the fund available and know you're going to spend enough in store to qualify for the boost, it's worth signing up to save some cash.
It comes as shoppers have been warned their festive feast could cost more this year.
Three out of five retailers expect to increase prices by the end of the year – and Morrisons has warned shoppers of potential hikes already.
Here's a round-up of all the schemes – and what you could get.
Tesco Clubcard members can sign up to the supermarket's festive savings scheme to knock money off their grocery bill this Christmas.
The scheme allows customers to save all their Clubcard points throughout the year to use on their big festive shop.
You can also top up your account and get a bonus from Tesco in return.
The boost you get from Tesco depends on how much you top up your account by.
You get £1.50 in vouchers if you top up by £25, £3 for a £50 top up, £6 for £100, and £12 for a £200 top-up.
Shoppers will receive their vouchers in November to spend on Christmas food and present haul in stores.
Shop at Sainsbury's? Make sure to make the most of its Christmas Club Card scheme at Christmas – but double check your budget to see if it's worth it foryou.
Shoppers can save onto their Christmas Club Card from January to November 1 – and the more you save, the greater the bonus.
You'll get a cash bonus if you have £50 or more on your card before November 1.
You'll get a 5% cash bonus – worth £2.50 – for every £50 on your card, so if you have £100, you'd get a fiver free.
The maximum bonus you can get is £25 – which would mean you'd have to fill your card up by £500.
There's a cap of how much you can load up on your card, which is £1,975, and your bonus will be added to your card by the end of November.
To sign up, pick up a Christmas Club card in stores and activate it at a checkout till.
If you're planning on getting your festive haul from Asda this year, you might want to check out the supermarket's Christmas savings scheme.
Asda's Christmas Savings Card lets you save up to £485 on your card – and like many other schemes, offers a boost to customers who save more.
However, you have to top up your card by £280 to get the maximum £15 reward – so if you're not planning on spending this much, it might not be worth it.
But you'll still get a reward for saving even less than this – here's how much you'll get for the amount you have on your card:
- £30 – £79: £1 bonus
- £80 – £129: £3 bonus
- £130-179: £6 bonus
- £180 – £229: £9 bonus
- £230 – £279: £12 bonus
- £280 and over: £15 bonus
You'll get your bonus on November 22 and it will land on your card automatically.
To sign up, pick up a card at your local Asda store or order one online on the supermarket's website.
Morrisons runs the Christmas Savers scheme to tempt customers to shop with it during the festive season.
You can buy digital stamps throughout the year – the total number of stamps you've bought will be tallied up at the end of October.
The more stamps you buy, the greater the bonus you'll get when you receive your vouchers to use in store.
However, you have to be signed up to the supermarket's More loyalty scheme – which works by building up points which can be turned into vouchers.
You can buy stamps from your local Morrisons store, and you'll get bonus the more stamps you save.
You'll get £1 if you've bought £49 worth of stamps, £3 for £97 worth of stamps, £4 for £146 worth of stamps, and £6 for £194 worth of stamps.
You can use your vouchers – and bonus – between November 6 and December 31.
Heading to Iceland this Christmas? It might be worth looking into its Bonus Card scheme.
Iceland's Bonus Card rewards users for setting money aside for their shop.
You can load or save money onto the card to spend on your Iceland shopping.
Cardholders can get £1 back for each £20 they save and you can win prizes and will get a birthday gift.
There are also exclusive product discounts plus you can get free delivery on in-store orders over £25 and online orders worth more than £40.
Shoppers can signup for a digital card online or you can get a physical one by visiting your local Iceland store.
It means that you can save your cashback up to spend it over the Christmas period.
The Co-op runs a Christmas savings scheme where shoppers can buy stamps to fill up a book.
The more books you fill up, the more money you get in bonuses back.
Stamps costs £1 each and 48 fill up the book.
At Christmas each complete book gives you a £2 bonus – saving £2 on £50 shop.
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