Smart planning for those Christmas expenses – take the twelve steps (Western People)

Here is another way to cut down your Christmas expenses and save big this holiday season:
“PLANNING ahead to manage Christmas expenses, as well as regular bills which follow in the New Year is the key message from the Money Advice and Budgeting Service” said the Minister for Social and Family Affairs Mary Hanafin T.D. at the recent launch of a new MABS leaflet.