If you struggled to pay for things for Christmas then maybe its time to start thinking about how you will manage next Christmas; saving a little bit every week. The governments help to save scheme could help you reach £334 between January and November by saving £1 a week.
Help to Save is a type of savings account. It allows certain people entitled to Working Tax Credit or receiving Universal Credit to get a bonus of 50p for every £1 they save over 4 years.

You get bonuses at the end of the second and fourth years. They’re based on how much you’ve saved. You can save up to £50 each calendar month.
Help to Save is backed by the government so all savings in the scheme are secure.

You can pay money into your Help to Save account by debit card, standing order or bank transfer. You do not have to pay money in every calendar month. You can pay in as many times as you like, but the most you can pay in each calendar month is £50.
You can only withdraw money from your Help to Save account to your bank account.

After 4 years your Help to Save account will be closed. You will not be able to reopen it or open another Help to Save account. You’ll be able to keep the money from your account.
You can close your account at any time. If you close your account early you’ll miss your next bonus and you will not be able to open another one.

Follow this link to sign up https://www.gov.uk/get-help-savings-low-income

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