FESTIVE season shopping is an inevitable part of the year and a time when people spend most of their money. Everyone wants to enjoy the festive season, but you don't need to break the bank to do so.

FESTIVE season shopping is an inevitable part of the year and a time when people spend most of their money. Everyone wants to enjoy the festive season, but you don't need to break the bank to do so.

For many people, giving gifts is an integral part of celebrating the festive season. But if your gift list exceeds your spending power, it's easy to wind up with a financial headache come January.

It helps to set a limit on your spending as it is very easy for budgets to spiral out of control when it comes to buying gifts. Be strict and keep your overall budget in mind when getting gifts for friends and loved ones.

The last days of December and early January are a great time to buy ahead for next year because items are then often heavily discounted.