READER QUESTION
Q I’m having to spend far less than usual this Christmas. How can I manage the expectations of my friends and family?
AWe’re all aware of the soaring cost of living, so it’s unlikely your friends and relatives will be at all surprised that you need to cut back. Why not agree to setting a spending limit on presents or to not exchange gifts at all this year – they might even be relieved you’ve suggested it. And if you’re hosting a Christmas dinner,
