People need to start saving for Christmas now to avoid getting into debt nearer to the festive season, warns a Bradford-based charity.
Christians Against Poverty (CAP) says too many people who dread the expense of Christmas do not prepare early enough for the festive season and end up using credit.
CAP has compiled five top tips to help people prepare for Christmas. It suggests saving something from each wage packet between now and Christmas, budgeting for presents, food and going out, and making a few purchases every month to spread the cost.
It also suggests teaming up with family members to buy a child something special and managing the expectations of children.
CAP will be running free money workshops throughout October to help people learn how to take control of their finances. You can find out more about the workshops here.