Christmas is one of the key times of the year when we like to splash out. Whether it’s getting in a few luxuries to eat and drink, making sure we celebrate with family and friends or showing our love with gifts, big money can easily be spent.
The desire to do the same will be strong this year, but the circumstances will mean that might not be possible.
For a start, everything, from presents to travel to food, will be more expensive than usual thanks to ever-increasing inflation. Add to this higher costs and bills which may dramatically reduce the budget you have
