IF you're worried about the cost of Christmas this year, Ray Chaney, chair of North Ayrshire's CHAP, offers some sound advice.

CHAP are an impartial, free advice service in Ayrshire dealing with the real challenges relating to debt, welfare and housing.

Ray writes: "Sadly, by mid-December, that sinking feeling that January is going to a be a long, cold month is already baked-in, especially if it’s going to involve credit or store cards arriving which are more bloated than granny after a third helping of pud.

"The sheer pressure of not disappointing kids or family members whose expectations exceed the budget is hugely magnified at this time of year. Many people are already seeking sand in which to bury their heads – which, frankly, is neither festive nor wise."

At the risk of sounding like Santa’s little helpers:

  1. Are you guilty of trying to ‘keep up with the Joneses’? Peer pressure, on kids especially, can be horrendous - but you already know that fads quickly fade. Maybe choose not to shell out on more plastic tat that will be forgotten or broken by January. Instead, deflect by actively ‘bigging up’ how your Christmas is better, by adding nature walks or games, or family karaoke. Genuinely, those are the things that will be remembered.
  2. If money is tight, maybe you can give time? Gift a promise to take the kids swimming once a week; offer to weed a flower bed, give driving lessons, or promise to grow some flower seeds later in the spring to brighten up an outdoor tub. It often feels better to DO something, than to buy something and, if money is tight, that’s a win/win.
  3. Fight the urge that; ‘I’ve already overspent, I might as well buy more and sort it out in the New Year.’ You already know that felt pretty grim by January / February last year. This year, get more creative about how you spend your cash. Maybe make up a photo book for all the family to enjoy, discuss and keep over time? Memories are priceless.
  4. Don’t waste money on the stuff you don’t need but feel you HAVE to have at this time of year. Make new traditions. If everyone hates turkey and sprouts, then what’s actually wrong with having baked beans? Just research how much Christmas pud is bought every year, compared with the number of folk who say they actually like it?
  5. And if it’s already too late for this year then promise yourself, you’ll actively manage debt in January, rather than letting it accumulate extortionate interest. You’ve got a whole year to put yourself back in charge and make good decisions before it all rolls around again next year.    

If you need help and advice, please contact CHAP on Freephone 030 0002 0002, email: enquiries@chap.org.uk or visit the website: www.chap.org.uk.

A live chat service is available on the website from 9am to 5pm Mondays and Wednesdays and 9am to 3pm on Fridays.