* Keep within your budget.
* If you have children, try and explain why you cannot afford expensive presents for Christmas.
* Shop around for bargains on food shopping.
* Start out an idea of how much in total you want to spend on presents and for whom.
* Divide the present money by the number of people to get an idea of how much to spend on each person.
* Make sure you tackle your priority debts first, those which could mean losing your home or having your gas or electricity cut off.