Money Manager Santis O'Garro (better known as The Caribbean Dub) joined Jennifer Zamparelli on RTÉ 2FM to share some great saving tips. Listen back above.

It's almost time to put up the tree and dig out the Christmas jumpers: 25 December is creeping closer day by day, but is this really a time of good cheer? If you're stressed about your bank balance this festive season, Santis has some tips for you.

As a single mum who dug her way out of debt, and as co-presenter of The Price of Everything on RTÉ One, Santis knows a thing or two about managing money.

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In 2018, the Caribbean Dub found herself with an anxiety-fuelled shopping habit that put her into over €15,000 in debt.

With stress mounting and her maternity leave coming to an end, she turned to Google for the answers. It was there that she found an American woman on YouTube who was using her account to chronicle her journey out of debt.

Inspired to do the same, Santis decided to announce her plans to clear her €15k of debt within 12 months on Instagram, sharing her news with family and friends in order to keep herself accountable.

Now debt-free in 2022, she uses that same account to help others by sharing her manageable saving tips such as the cash envelope method, her no spend days, and her budget-friendly recipes.

"Everybody likes talking about the good times and what money does for them, but no one talks about paying those bills," she tells Jen.

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Although she acknowledges that some people are constantly walking the poverty line, Santis insists that the majority of people in Ireland have a lot of options when it comes to saving money.

"For the most part, we are very lucky, you have charity shops there, you know? I was getting hand-me-downs, and they were grand. And I was giving hand-me-downs," she explained. "I was buying Next for children that are going to grow out of them in two weeks - it makes no sense - and then I couldn't afford to buy formula."

Turning to her community, Santis realised that more people were in the same boat than she knew, and many other mums were happy to swap clothes and help one another save money.

"They look no different," she says of children wearing hand-me-downs. "They look no different and they don't care."

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These small changes allowed Santis to reach her goal of clearing the entire €15k in just one year. Now she hopes to help people stay out of debt and increase their savings, especially around the festive season.

"I want to take away the sentiment out of it, just for one second," she explains. "Create a budget for Christmas. How much are you willing to spend for Christmas? It's an expense. It comes around every year, and I know we're all shocked by it, but you should have priorities there."

"Create a budget, create a list. Who are you buying for? How much are you going to give each person? And then I would say, I always think of myself, I love gifting but I'm Santis not Santa. I have to have a limit there, you have to pull back, you can't please everyone and you should be giving out of joy anyway."

Instead of dropping a bottle of wine at a neighbour's door, Santis suggests knocking in for a chat or writing them a Christmas card telling them how much you appreciate them. Gifting someone with your time and attention is what the spirit of the holiday is really about.

If you are buying a physical gift, try to put some real thought into what the person needs. Spending money on stocking fillers that will ultimately end up in the bin or a charity shop is bad for the planet as well as your wallet.

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Finally, don't buy presents for those who don't appreciate you.

"Give it to the people who are going to appreciate you, and appreciate your friendship, and appreciate the time that you're after taking to pick something."

Listen back to Santis O'Garro's conversation with Jennifer Zamparelli above.