Don’t forget to include Housing Perks in your Christmas and Hogmanay planning.  Most supermarkets on the scheme give a 3 to 5% discount, which is a nice little saving on the Christmas dinner.  You can also get 9% off your Christmas pyjamas at Primark or TK Maxx, 7% off a new kid’s bike at Halfords, 17% off Swarovski jewellery, and if you’re thinking of going away for the festive season, there’s 4% off on AirBnB.