I can see how Credit Cards cost us £94 billion, but I shudder at the thought. Even with all the bargains available online and on the high street, the cost of Christmas soon mounts up and many of us are still paying for it well in to the New Year. I hope you haven’t overspent?

I have the same dream every year, just before Christmas. It goes like this - it’s Christmas Eve, all the shops are shut and I haven’t got my presents. It’s such an awful feeling - what am I going to do? What are people going to think?

Luckily, the reality is always very different. Sure, I’ve still got a couple of bits to get, but I’m normally quite organised with my Christmas shopping and have it mostly wrapped up by the week before. I just don’t understand those people who leave it all until Christmas Eve afternoon, when the sale signs are already being put up in the shops, the shelves are half empty and the remaining stock’s looking a little sorry for itself. I remember when I used to work in Boots. All the staff would be looking forward to early closing, so they could get away and start celebrating Christmas and about half an hour before the store was due to close, you’d get people ambling in who’s spent most of the day in the pub and had decided this was a good time to do their gift shopping. I suppose it’s one thing if you don’t really care and are quite laid back about the whole process, but it’s quite another if you feel like I do in my recurring Christmas dream and you’re panic buying any old tat just so you have some presents before the shops close.

I hope you’ve all been organised, your gifts are all wrapped under the tree and you can smugly sit and drink mulled wine and eat mince pies on Christmas Eve, whilst those panic buyers snap up anything going - let’s just hope we’re not the recipients of their tat!