December is fast approaching and the Christmas countdown is well and truly on its way.Like many of you, we here at the Daily Record are counting down the days until we can begin celebrating this festive period in proper style this year - after all, last year's Christmas was certainly a different affair for a lot of us and we want to go big this year.
From leisurely strolling through Christmas markets with some mulled wine, to Christmas shopping and spending time with our nearest and dearest, there is so much to enjoy about this season as we make up for last years festivities.
However, all that excitement can sometimes be drowned out by how tough this season can be on our bank account. Combine that with Black Friday, the latest gas crisis
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