With Halloween and Bonfire Night over, you might have already started thinking about the next event. Celebrations are great and focusing on them can help us feel excited – but sometimes they can also be a drain. It is at this time of year that we are under more pressure to spend money. With retailers already promoting Black Friday – plus Christmas and New Year approaching – it can all feel a bit much.

Financial pressures can have a significant impact on our health and wellbeing. We can experience symptoms of stress and anxiety , and are at risk of developing low mood or having sleep problems. All of this can affect on our ability to work, function in daily life as we want to, and even our relationships.

Levels of debt peak at the end of December, with debt advice organisations see

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