I know we are only in September but for someone who is on a budget, planning for Christmas has been on my mind for a while. I love doing surveys as I store up my vouchers and I can redeem them for Amazon, Boots or Sainsburys vouchers come Christmas time. I am determined not to spend any money this year but to use all my vouchers that I have clocked up over the months. Some I do redeem into my Paypal account but for Valued Opinions for example they do not convert to cash so I use them as my Gift fund. It just seems like the most sensible option for someone in the same financial position as me or if you just want to be a bit careful this year.