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UK households can claim extra £515 payments before Christmas - with it being surprisingly easy to cash in ahead of December 25. Personal finance experts say households could get £515 in free cash before Christmas using five schemes.

And some of the schemes are available for people who are NOT on benefits. Families can really benefit by cashing in on some simple offers ahead of the big day, experts have said. The payments and schemes include bank bonuses and Department for Work and Pensions ( DWP ) benefit payments.

Below are details of some clever ways of cutting your seasonal bill. The changes include everything from official DWP payments and schemes, to bank switching bonuses, from the likes of Santander and First Direct.

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