You may recall that last month I mentioned the MyFamilyClub Savings Pack, well with Christmas looming on the horizon, I have been looking at the ways I can get the most for my money this holiday season.

I will openly admit I love to shop but I will openly admit that I am not particularly good at saving, so if I can find a way to do both, this makes me a happy girl. I am not talking about making presents or buying off Ebay (although there are lots of bargains to be had this way), I mean getting the most from the shops on the high street. It was interesting to watch Charlotte from MyFamilyClub on BBC News last weekend as she firmly believes in haggling. Now I remember doing a car boot sale with my mom when I was little and I can vividly remember people haggling over 20 pence but I know this isnt what she meant. If you are buying bulk items or paying cash, most retailers will give you some form of discount or free products in order to close the sale. (This doesnt apply to the supermarkets, although it would be nice to get some free biscuits once in a while).

So what if you cant haggle? Then there are other options and this is the bit that really interested me. With the MyFamilyClub Savings Pack you get to: 

• Choose five re-loadable gift cards from our carefully selected retailers.
• Top up your gift cards online using a debit or credit card.
• Save between 4% and 10% every time you top up your gift cards on line. 

Once you get your head around what this means, you can start to appreciate what this can mean for your bank balance. I sat there and decided to select a Boots gift card, which when you top up on the MyFamilyClub website gives you 6% discount. So if I shopped at Boots, during one of their points promotions evenings, buying the 3 for 2 products and using my discounted gift card, I worked out that I would literally be saving nearly £50 on the products I wanted.

It sounds incredulous but its true. Its not about being cheap, its about being savvy and with a spare £50 in my bank, I have got my eye on some gorgeous shoes for the Christmas Party season!