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Unfortunately this often leads to over spending that has a long term effect on your family. If this has happened to you, please don't be hard on yourself. Be kind and use it as a learning oppertunity for your kids and the adults.

Sit and talk about what has happened explain what the cost of Christmas was and ask for ideas on managing it better next year. Work out a budget together and see how you can get back on top of things.

Ask for help if you feel overwhelmed. We have all been there.

Take Care you wonderful parents and be kind to yourselves.

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