Image of a man with a sack of money on his back, representing the idea of overspending.

The John Lewis advert has hit the screens, supermarket shelves are starting to fill up with Christmas goodies and probably somewhere there’s a radio station already adding Mariah Carey into their playlist.

While the festive season brings joy to many, there is a darker side which sees some people falling into debt as they join in with the ‘spend, spend, spend’ ethos that will be pushed at us over weeks ahead. Businesses are not immune to this either and can, in fact, stumble into overspending habits at any time of the year. With this in mind, our blog this week focuses on some simple ideas for avoiding overspending.