StepChange advises planning Christmas spending in advance to avoid the 'January financial blues'

Tips before the spending season begins

The debt advice charity StepChange has urged people to plan their Christmas spending in advance so that January does not turn into financial hardship. As reported by BBC News, citing the organisation's recommendations, the main advice is to draw up a realistic plan before spending begins. The budget should cover not only gifts but also food and drink, travel, parties, postage, decorations and other festive odds and ends. Spending should be spread out rather than relying solely on the December pay cheque, and ahead of Black Friday on 27 November a shopping list should be drawn up: a discount only counts as such if the item was already planned for purchase. Among the other tips: book train tickets in advance (advance tickets are cheaper if available), set a limit on spending on festive get-togethers, agree with family and friends in advance on the amount for gifts, check the cupboards, fridge and freezer before doing a big food shop, and before buying ask yourself: can I afford it, can I afford the credit repayments, and do I really need it.

Context and where to get help

According to the BBC, the charity Barnardo's warns that some parents will skip meals so that their children can have a Christmas dinner with all the trimmings. StepChange chief Vikki Brownridge noted that Christmas is a time when people want to treat their loved ones, but it can put serious pressure on family budgetsand it is important to plan ahead to avoid the January financial blues For those worried about debt, the BBC advises seeking help before the situation becomes unmanageable: the independent website MoneyHelper offers a guide to finding free debt advice.

, as well as tools for checking entitlements to benefits and grants and budgeting tips. The outlet also reminds readers of the risk of scams during this season, especially for people under financial pressure, and refers to its own coverage