You've been so busy it’s as if you’ve blinked and three quarters of the year are almost over.
In just four months it’ll be Christmas Eve and the thought of all the spending that comes with the end-of-year holidays is enough to bring on a mild (or perhaps not-so mild) panic attack.
So what can you do when you realise you need to start putting money away for the festive season to make sure it is actually festive? Is it even possible? Is it already too late?
