Christmas will soon be here so start planning

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Right now is the time to plan for the best Christmas ever.

Eliminate last minute panics and credit meltdown in December by thinking about all the aspects of a great Christmas that you can book in advance.

Bear in mind that everyone – that’s groups of friends, clubs, families and companies and workmates – looks forward to partying over the festive season.

Similarly, December wouldn’t be the same without the annual trip to the panto, even if you never step inside a theatre the rest of the year.

And of course, parents the world over are buying presents to give to their children on that one special day of the year.

Getting ahead of the game under these circumstances is a no-brainer, though you wouldn’t think it judging by stress levels all over the UK once the countdown to Christmas gets to weeks, then hours.

If you’re organising the office bash or a big family get-together in December, start now by ringing round venues for details on availability, menus, prices and accommodation, then move swiftly on to agree on a choice and book.

Buy some of your Christmas presents now, because that way you can make sure they are the best and most thoughtful you’ve ever given as well as spread the financial burden of Christmas over a longer period.

There’s plenty of time to arrange for a personalised gift like a portrait to be made, to set up an unforgettable experience or put in an order to insure against last minute hiccups.

Many local shops selling larger items like bicycles run schemes for staggered payments on Christmas presents.