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Have you prepared for Christmas yet? Survey results suggest that if you are a woman you will already be prepared but if you are a man you’ll have done absolutely nothing.

A survey by the Halifax building society has shown that women are generally far better prepared for Christmas and for beating the effects of the credit crunch than men. Around one in three (30%) or women who save for Christmas have said that they started saving earlier this year compared with only 15% of men. Around half of the women surveyed (48%) said that they had prepared a Christmas gift list whereas only 15% of men said they had done the same.

Although there have been reports that the recession is over many are indicating that they will be tightening their belts by spending less this year than last. About half (47%) of women and around 30% of men have reported that they will be speding less on gifts this year compared to last. A large proportion of the men interviewed (75%) said that they would be changing their buying habits by taking advantage of pre-Christmas sales.

Many are turning to online shopping this year with around 28% of women and 43% or men reporting that they would be buying some or all of their Christmas gifts online. Many parents have reported that they tend to leave the high value, main gift shopping until last, particularly if they are buying large items. This avoids weeks of concealment with their children trying to find where their presents have been hidden.

Advice for consumers who want to save some cash this Christmas is to shop around, both online and in the high street. If you look around you will find some amazing Christmas discounts on offer, some as high as 25%. There are also lots of online discount codes that offer significant savings.

Whatever you do be sure to have a wonderful, restful and enjoyable Christmas.

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Buy RC Cars and other great gifts like Hornby Trains from Modelzone.co.uk. And you might like to enter their Christmas Hornby Competition. Free to enter and you could win a fantastic Hornby Train Set.