The holiday season is here and all the bells and whistles of the festive season are festooned everywhere.

Spending at Christmas time is often done with wild abandon people spend more money than they can afford and build up heavy credit card costs.

Money Issues are very relevant at Christmastime for a lot of people who feel enormous pressure as they struggle to cope with financial demands.

Sadly the majority of this is self- imposed excess. As consumerism runs rampant during the festive season. If you want to avoid getting in over your head financially this festive season, it important to create and keep to a budget

If your finances are not up to par or you are experiencing financial difficulties only spend what you know you can afford. Plan your shopping trips carefully. Avoid impulse shopping, be alert to consumer traps.It's prudent to determine beforehand how much you can spend.

Develop a Christmas budget plan and get rid of the urge to spend excessively or wantonly over the festive season.Do not get won over by the specials and special offers. Choose not to be drawn in by the surrounding backdrop of festive music, lights and attractive displays that are there to draw you in.

Shopping Wisely: When out shopping at this time of year it calls for restraint, to ensure that you have a budget or plan and stick to it. Make no purchases outside of your planned holiday budget.

Choose to keep all the costs of the holidays in check and leave behind the post-festive season financial blues.

Truly enjoy your Christmas without being a compulsive shopper this year. For many people, Christmas is a very big and serious financial issue. However, do not sub scum to the pressures to spend recklessly. Do not just go with the flow or fall into spending overdrive.