When I was younger a great family activity was writing the Christmas cards. My mother would be in charge of writing the christmas card list which would be a combination of her address book and her shopping list notebook which she always had in her handbag and would frequently jot down a quick note everytime

The starting point for your budget will depend on what costs you will be incurring. I have already booked my plane flights for visiting family members (so these are all paid for) and I will be spending Christmas at my parents so I won’t need to be budgeting for the turkey. Step one: Work out

Christmas is approaching fast and first thing I do to start to get myself organised is work on my gift list. This exercise forms two parts: creating a list of people you want to give gifts to and generating ideas you have for those gifts. 1. Write a list of people you need to buy