16/09/2026
100 days until Christmas 🎄
And if that number just made your stomach drop instead of getting you excited - you're not alone. Presents, food, days out, it all adds up fast, and for anyone already juggling debt December can tip things from 'manageable' to 'overwhelming'.
If that's you, here's the thing: 100 days is enough time to make a plan, instead of panic.
Rather than thinking, 'I'll figure it out later,' doing a few small things now can make a real difference by December:
✅ Set a realistic budget and start to put money aside now - you still have enough time to save
✅ Talk to people early if you're worried about presents or the expense of hosting this year
✅ Food shop in stages rather than one big supermarket run - picking up non-perishables (drinks, tins, crackers, etc.) a few at a time over the next few weeks spreads the cost.
If existing debt is what's really weighing on you, try to get advice before the Christmas spending starts, not after. You don't have to carry it alone, and you don't have to wait until January 1st to ask for help.
We're not-for-profit IVA specialists and we offer free, confidential, no-judgement advice. We're ready to talk any time you need us between now and Christmas.
📞 0800 856 8569