It's that time of year - December means Christmas. Mind you, the Christmas decorations came out before Halloween this year!

It's the time of year the money really becomes an amplified issue - lots of buying. Presents (for family, friends, kids, teachers, colleagues, clients, etc.) and food (for Christmas Day, Boxing Day - if you're in Australia, for holidays and camping trips, and day trips).

There's just SO much!

The last thing you want is to make your New Year's resolutions and then to be hit with a large credit card bill in January...

This episode has some pragmatic ideas about how to minimise the financial burden over presents and food this year.

Enjoy!