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Money's tight and you're not much of a hand at making crafts anyone would want to receive. So how do you manage holiday gifts and make your hard-earned dollars go further without maxing out your credit cards?

With Christmas approaching rapidly, how do you prepare for it? For many people whilst it is one of the happiest times of the year when we get to have our loved ones around us, it's also the most financially stressful.

Consolidating all of your debts into one loan can either be a great idea saving you money, or the opposite in that it costs you more money and stress.

Money is not the be all and end all; therefore one should not place too much emphasis on money itself. What we should realise about money is that it is a tool and can be used as the holder chooses. Money facilitates transactions and puts you in a position of power no matter how much or little you have.