FEBRUARY

Consider setting up a monthly Direct Debit to a specified savings account - then you have a stash of money for buying presents as and when. Have a think back to last year and how much you spent in total, divide by 12 and make it that! You'll be a month short this year as we are starting in February so add a little extra if you'd like.

Ask children what they think of when they think of Christmas, it's been long enough ago. Make a note in your Christmas Planner, then you know what you can focus on, what you can cut and what's important to their memory making.

Clear an area in your attic/cupboard for storing presents... including a mouse safe plastic tub if that's appropriate.

Put a labelled bag for each child's stocking somewhere secret so you can add to it throughout the year.