So, the Christmas party season is upon us and the spending has begun. On top of all the food, presents and cards you have to buy you also need a gorgeous party dress. If you are on a budget you could search through the early sales and through the cheapest high street stores, but there is another option. Littlewoods interest free credit means you can pay for any item in their catalogue weekly, totally interest free for up to 52 weeks. So that gorgeous little £90 Oasis dress can be paid for by November at just £2...ready for you to start paying for your 2009 party dress! It looks as though you really can buy your ideal dress for £2 without scouring eBay, Primark or your local charity shops.

The Littlewoods interest-free budget calculator on their website means you can buy anything from clothes to cutlery and choose the budget you can afford. An example is if you want your party dress you go to the womens' fashion section and choose your budget. You can spend as little as £1.50 a week up to £4 a week. If you choose £1.50 a week Littlewoods will list all the dresses that can be bought within the interest-free 52 weeks for the budget you specified. If you splash out and are willing to spend £4 a week then within a year you can have paid off a £175 designer Amanda Wakely gown. £4 a week is a couple of drinks at a bar so you'll barely notice the direct debit each week. But what will be noticed is your absolutely stunning new dress.

This fantastic budget calculator is not just limited to your Christmas party dress. Why not use it for all your Christmas needs? You can buy a beautiful 6ft Regency tree, full price £50, for just £2 a week. By next Christmas you'll have paid in full for a tree that will last you many years to come. Under the tree, you'll need to put your presents for all your friends and family. The must-have toy of each year can give your bank account a heart attack, but with the interest free budget calculator it can be much more affordable. You can choose a toy budget of between £1.50 a week to £15 a week. For £10.17 a week for example, you can surprise your kids with a Sony PlayStation 3 console with 3 games. At £529 full-price you may have written it off already, but you can pay it off interest-free over the course of a year and give your child a Christmas to remember.