Welcome to another episode of the 'It's Good To Talk (about money)' podcast with your hosts, Caroline and Laura. With Christmas creeping up, we're here to help you navigate the festive season without blowing your budget. Discover why so many retailers, pubs, and restaurants are already advertising Christmas goods and events as early as August - does it really help you save, or is it a trap that leads to overspending?

We’ll break down the biggest financial pressures of Christmas, including how much the average family spends on gifts, food, and social events, and provide actionable tips for effective budgeting to keep your finances on track. Learn how to manage Christmas expenses, avoid debt, and handle social pressures without overspending.

As Black Friday approaches, we’ll also separate fact from fiction—are the deals really worth it, or is it just another sales gimmick? Tune in to find out how to spot genuine bargains and whether Black Friday still lives up to the hype.

Plus, we cover the latest money-saving news, including updates on the Energy Price Cap and how to apply for 15 hours of free childcare for parents of 9-month-olds.

Whether you're looking for Christmas budgeting tips, Black Friday shopping advice, or ways to keep your Christmas spending in check, this episode is packed with practical insights to help you enjoy the festive season without financial stress. Don't miss out on these expert tips for a financially savvy Christmas!