December budgeting is a strong topic.
My daughter has wrote a very expensive Xmas list. Last month my old car broke down and I had to replace it. This meant using savings and finance agreement.
I’ve asked my daughter to number some of the items and given her a budget luckily she is old enough to understand ‘Santa’ does not provide these !!
Luckily my boss offered me extra hours in one of my jobs so I will be working even more over Xmas to cover the extra expenses