Here is another way to cut down your Christmas expenses and save big this holiday season:
Ballarat CourierThe average tax refund is $2112. Here are 12 smart things to do with the moneyBallarat CourierI've earmarked most of it for Christmas expenses and domestic summer travel, and the rest will go into the mortgage. It seems I'm pretty typical: eight of 10 Australians get a tax refund and the average last year was $2112, according to the Australian …and more »