The Christmas period can be expensive but it doesn’t need to be. You can have a wonderful holiday without having to worry about financial pressures. I usually worry each year about buying enough for my family members, I want to treat them as much as I can. But I have to remind myself it is not all about the presents and money, it’s the thought and spending time with them that really matters. I actually started Christmas shopping early, for the first year in a long time and it has definitely taken the pressure off. I have compiled a list of tips to stay on budget, I hope these can help you if you are finding it stressful.