**This is a collaborative post** In case you couldn’t already tell from the cold, dark mornings. Or the dull, gloomy afternoons. Or the fact that your heating bills have begun to skyrocket… December is well and truly with us. There’s a lot to love about this time of year; the crunch of frosty leaves underfoot, the new selection of seasonal goodies at your favourite coffee outlet and the coming promise of Christmas. However, while most of us look toward the festive season with joy and excitement, there are those of us who look to the coming of Christmas with apprehension if not outright fear. Christmas can, after all, wreak havoc with unprepared wallets. If your excitement surrounding the Christmas holidays is tempered by money worries, fear not. There’s still time to rectify your finances so that you can enjoy the coming Christmas and ensure that you celebrate 2019’s festivities completely stress and worry free. Savings are subjective We all know that we should be saving up in time for the festive season, but this is often easier said than done. While there are a number of ways in which you can make saving for the Christmas holidays easier, it’s important…