Today is the 21st October - which means there are 9 Mondays left until Christmas.

Or - if you are paid at the end of each month, there are 2 pays days left.

Making Christmas affordable is within everyone's ability.

Whether it is adding one extra thing to the food shop each week, or putting a small cash amount away weekly over the coming weeks.

Some high street banks even allow you to set up an automatic switch of the odd amount from your debit card purchases into your savings account as a free service.

And do not forget that you can gif...