Christmas is around the corner, but for many families Santa will be cutting back. Budgets are stretched to the limit and there's no relief in sight. 

Scott Pape is famous for his Barefoot Investor books, but he is also a not-for-profit financial counsellor helping people under financial stress. He says that even the smallest changes can make the biggest difference. 

National Debt Helpline: https://ndh.org.au/  

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