How soon is too soon when it comes to thinking about Christmas and your finances?
The answer, of course, is that it is never too soon. Save early and the cost becomes more manageable.
The squeeze is harder for some than others, with charity Barnardo's warning that some parents will skip meals so their kids get a Christmas dinner with the trimmings.
But, debt advice charity StepChange is offering tips to everyone, to avoid Christmas spending leading to a financially painful new year.
The best way to avoid a difficult January, it says, is to make a realistic plan before the spending begins.
Small decisions now can make a big difference later. Its tips include:
"Christmas is a time when we want to enjoy ourselves and make things special for the people we care most about," said Vikki Brownridge, chief executive of StepChange.
"But it can also put a lot of pressure on household budgets, and it is key to take steps to get ahead of any January financial blues."
If you are concerned about Christmas leaving you in debt, then it is best to seek advice well before things become unmanageable.
The independent MoneyHelper website has a guide to finding free debt advice near you .
There are also tools to work out if you are receiving all the benefits and grants you are entitled to, and tips on how to draw up a budget.
And it is really important to watch out for scams at this time of year. Fraudsters will take any opportunity to catch you out, especially when you are under pressure financially.
