Although we usually associate Christmas with precious family time and offering gifts to loved ones, we all tend to over consume and for many Christmas is overshadowed by debt and financial worries.

Get organised early and set a clear and realistic budget in order to avoid overspending and ending up reliant on credit cards or store cards. Think about how much food, drinks and presents you actually need to buy, avoid waste and target your resources. Spending a fortune on food isn’t necessary, particularly around this time when there are so many great deals in the supermarkets. Shop around and grab a bargain!

Tune in to Money Talk at 1pm on Friday at www.channelradio.co.uk/2 to find out how you can plan effectively in the run up to Christmas so you can have a great time and relax, free from financial worries! #MTRadioUK