187 days till Christmas. Here’s how to save for a merrier December holiday this year

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The countdown to Christmas has started.
The countdown to Christmas has started.
Wavebreakmedia/Getty

You've been so busy it’s as if you’ve blinked and half the year is almost gone.

In just six months it’ll be Christmas again and the thought of all the spending that comes with the end-of-year holidays is enough to bring on a mild (or perhaps not-so mild) panic attack.

So what can you do when you realise you need to start putting money away for the festive season to make sure it is actually festive? Is it even possible? Is it already too late?

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