Your Dilemmas…
Festive spending
Q I always get into debt at Christmas because I love spoiling people. How can I avoid that this year? I don’t want to cut back on all the trimmings, as it’s part of who I am.
Caroline, Wells
A I can hear that there is a lot of joy for you when you spoil others at Christmas. The flip side to this is that you get yourself into debt, which you want to avoid this year.
It seems there’s
