Make your loyalty cards pay this Christmas with our great money

LOYALTY cards are almost as important as Christmas cards in December.

I have all kinds of tricks up my sleeve to save dosh on prezzies, and using store points is an easy win, especially as the average shopper has around £47.19 of unused loyalty points, according to reports.

The average Brit is sitting on almost £50 worth of points on unused loyalty cardsCredit: Alamy

Here’s how your store cards can seriously help you out with your Xmas buys . . .

Boots: With an Advantage Card, you get four points worth 1p for every £1 you spend. Download the Boots app and make a transaction in store to nab 200 extra points. Over 60? Join the Over-60s Hub and collect ten points for every £1 spent on brands including No7 and Natural Collection. If you’re already buying No7’s eye cream, £18, sign up to the app and you’ll have more than enough for a £2.99 Collection lipstick. A great stocking filler.

Save: £2.99 on a lipstick

Sainsbury's: You can collect Nectar points at Sainsbury’s, Esso and eBay, among other retailers. Use your card while paying for your weekly food shop and earn one point for every £1 spent. A point is usually worth 0.5p. Once you get 500, you can use them at Argos — that’s £2.50 off a kids’ toy.

Save: £2.50 on a toy

Tesco: Get one point for every £1 you spend in-store and online with a Clubcard. You can turn every 150 points into £1.50 vouchers, which are valid at reward partners including Goldsmiths. While 500 points equals £5 to spend in Tesco, you can trade them in for £15 partner vouchers. This means a £75 Goldsmiths ring only costs £25 in vouchers.

Save: Price of item of jewellery

Ikea: The Ikea Family card is a little different to the others, as you don’t accrue points. However, it does give you automatic discounts — mainly on home and children’s items. For example, you can get a £19 espresso maker for £13 until December 18. The best part? Sign-up is free.

Treat yourself this Christmas to a tray of Ferrero Rocher chocolates while they're on offer at Sainsbury's

FERRERO Rocher fans should pay a visit to Sainsbury’s to snap up a box of 42 for just £10, down from £13.

Why splash £12 on this festive wreath...

IF you’re looking to get a new Christmas wreath head to Argos to snap one up, below, for just £7.50, much cheaper than a similar one, above, sold at Wilko for £12.

KIDS will love Fruit Bowl Strawberry Peelers, grab a pack of five from Morrisons for £1.75, down from £2.25.

EVERY CODE YOU ENTER IS A TICKET: ONE lucky reader is in line for a bumper early Christmas present – thanks to our £50,000 Sun Raffle.

Every month YOU could win the super cash giveaway in our Sun Raffle just for reading this paper.

Entering could not be easier – simply download the Sun Savers app or sign up at sunsavers.co.uk.

Then, opt in to each month’s Sun Raffle by clicking “Yes!” when prompted and start collecting the codes printed daily inside the paper – scanning in the app or entering online.

Saturday November 9’s code is on Page 20.

The next big giveaway is on Saturday, November 30 – perfect for making it a Christmas to remember.

With every code you enter you will earn a Raffle ticket into that month’s £50,000 Raffle.

There is no limit to how many tickets you can collect per month, so make sure to enter as many codes as you can to give yourself the best chance of winning. Remember, you have got to be in it to win it.

Not already a Sun Savers member? Join Sun Savers today.

It only takes a minute to sign up – just search “Sun Savers” in the app store and then download the app, or head to sunsavers.co.uk. To get started, all you need to do is enter a few details.