Christmas is just around the corner and for those of us who celebrate this festival there is often a last minute rush to buy gifts, but this is a special year.
Globally 2020 has been one of the most difficult years in living memory. Everyone has been impacted in one way or another and many of us have lost jobs or had to reduce work to part-time. Incomes have been slashed or lost completely and street level shopping is still not permitted or advisable in many areas because of the risk of Covid-19 infection.
This is a time to consider safety and saving money.