Christmas is coming and for many, so is financial hardship.
Anyone can feel stressed at Christmas but those dealing with financial concerns, unemployment, rising mortgages or financial debt will be greater this year than in previous years due to the current economic challenges.
It isn't just the individual who can be affected by financial stress. It can also lead to arguments in families and relationship breakdowns at a time when they should be coming together.
Tips to manage Christmas financial pressure:
* Start Christmas shopping early
* Set a strict budget
* Learn to say no to parties and outings
* Share the load - Christmas dinner (ask relatives to bring a plate)
* Be creative - If you have a skill like drawing, writing, photography, cooking, or making anything at all, get creative and make a thoughtful, unique gift that only you could give.