FEW people can resist the temptation of buying goods on sale or buying on credit, with the first instalment due only in the new year.

These are just festive season tricks retailers use.

Keep to a budget and avoid impulse buying. Sticking to a budget will also mean you have enough money after Christmas.

Use your debit card to guard against spending money you don't have.

It is crucial to know how much you need to make it through the seemingly endless list of clothes, gifts, holidaysand bonuses for those who help run your household.

If you receive a bonus, use it wisely. A big chunk should go on settling debt.

Draw up a budget for January that includes school fees, uniforms and increased premiums that come into effect in the new year.