Does Christmas have to be like this?

  • First — an early thought about a new year’s resolution
  • Survey findings on Christmas spending
  • Survey findings on Christmas financial stress
  • Things to think about this Christmas
  • Other ways to do it

Mary Holm is a freelance journalist, a director of Financial Services Complaints Ltd (FSCL), a seminar presenter and a bestselling author on personal finance. From 2011 to 2019 she was a founding director of the Financial Markets Authority. Her opinions are personal, and do not reflect the position of any organisation in which she holds office. Mary’s advice is of a general nature, and she is not responsible for any loss that any reader may suffer from following it.