Mum of three and finance expert Lynn Beattie - aka Mrs Mummypenny - says parents don’t need to splash the cash on elaborate gifts or matching PJs to keep the kids happy this year

"I think what people spend on Christmas is really quite scary. And there's plenty of cause to splash the cash. There’s mum guilt, peer pressure, social media, TV adverts - Christmas hits you from all sides. We think we need to spend spend spend. It’s really overwhelming," says finance expert Lynn Beattie . The mum of three boys from Hertfordshire runs Instagram account Mrs Mummypenny , boasting over 20,000 followers. Teaming up with CBeebies for their parenting Christmas campaign this year , she's here to help Mirror readers cut £200 off their Christmas bill.

Lynn says: "We’re in this incredibly commer

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