Feeling the holiday financial stress? You're not alone - a recent survey found that 60% of Kiwis are feeling stressed by the costs of Christmas. 

If you're wondering how much you should be spending on presents, you're in the right place. In this episode, we'll help you set a budget that works for you and your loved ones, and give you some ideas for finding affordable and meaningful gifts. 

From frugal options to creative ways to save, we've got you covered. So take a deep breath and let's tackle the holiday expenses together.

In this episode, we cover:

• How much Kiwis spend on Christmas gifts every year
• What you can do to reduce the cost of presents during Christmas
• A few different gift ideas that you can spend your time on instead of money

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Investing involves risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.

The information provided should not be relied upon as investment advice or recommendations and should not be considered specific legal, investment or tax advice.

Any information we provide is general only and current at the time of writing.

Kernel Wealth Limited is the manager and issuer of the Kernel KiwiSaver Plan and Kernel Funds scheme. The Product Disclosure Statements are available at www.kernelwealth.co.nz