How small businesses are using savings clubs to help customers spread the cost of Christmas
By Esyllt CarrGifts for her children are already sitting in bags ready for Kellyann Eskisan at The Activity Box in Herne Bay, Kent.
"If I was putting that money in my bank account, I'd just end up using it for something else and never paying it back," says Kellyann. Sharron Marriott, who runs gift shop Make a House a Home in Whitchurch, Shropshire, says trust is a big reason her customers are choosing to save with local shops like hers.
Customers are asked to put down a 20% deposit on whatever they'd like to buy, and to pay the balance in full by 15 December. "If you're given a gift card, check the expiry date. We do know that lots of money is left on gift cards that expire," she says.
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