For many people Christmas isn't cheer-filled. You're not alone, peace on Earth is hard to find on Christ's big day and in the surrounding silly season. And it's not surprising, considering the pressures most of us face at this time. The pleasure of giving is lost under the pressure to give a lot, especially to children.
Bills roll in In the New Year when the bills roll in things start to turn sour.
Wally Aldridge, of Wairarapa Free Budget Advisory Service, says credit cards cause the biggest debt problems because they are so easy to get. He urges people to live within their means, but acknowledges the pressure on parents to give generously. Wendy McCormack, a budget adviser at the service, says one of her clients saved hundreds of dollars by sewing gifts. The Aftermath Planning and being honest about the amount of money you have to spend is the key to enjoying Christmas and the aftermath, she says. This should include planning for food and alcohol costs, not just presents.