'Tis the season to spend money.
If your kids are anything like most of the children I know the demands for the Christmas wishlist started in October.
Even if you are careful about not spending excessive amounts on presents, the extra costs always seem to add up — whether that's from organising festive meals or having people to stay.
Here are some things to watch for to ensure that your Christmas spend-up doesn't turn into a new year nightmare.
Part-payment late fees: