Expert Advice: Christmas isn't just about the present

Please be sensible this Christmas. Plan what you are going to spend and know where the money is coming from to fund that spending. Here are four tips to help you during and after this season of goodwi

13th November, 2011

Please be sensible this Christmas. Plan what you are going to spend and know where the money is coming from to fund that spending. Here are four tips to help you during and after this season of goodwill and good cheer.

**1** Make a list and, after setting a spending limit, work out the cost of:

*presents (covering family, friends and bursaries - binmen, postmen, your work colleagues, etc);

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