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There are less than two months to go so now is the time to get your finances ready for Christmas and avoid the economic car crash that sometimes follows quickly in the New Year.

Many people find themselves in a cold sweat as they anticipate the January credit card bill, well aware of what is listed and knowing that there won’t be enough in the bank account to pay it off. If you’re already thinking about how you can afford Christmas, check out our nine useful tips.

And remember that if you need to consolidate your existing debts to make repayments more manageable before Christmas, find out what your options are with our Quick Start finance helper.
Get your finances ready for Christmas