Preparation, moderation and communication are the ‘3 keys’ to surviving the financial and emotional strains of Christmas during the economic downturn.  We needlessly stretch our finances, family relations and waste-lines at Christmas. The season to be merry ends up one of misery – with stress, debt, break-up the reality. The secret to a Happy Christmas it is preparation, communication and moderation: Plan in advance, avoid arguments and spend, eat and drink in relation to your ability”

Rasheed’s 3 Survival Tips for Christmas Preparation:

1. Preparation

• Set a budget you can afford and stick to it: don’t give in all the ads, expectation and hype.
• Decide who you do and don’t want to spend time with over Xmas and for how long.
• Give everyone time and space to plan and to adjust/ overcome any disappointment.

2.     Moderation

• Are times tough?: then set a ‘gift truce’ agree not to buy each other gifts, or only buy for kids.
• Know your limits when it comes to food and drink
• Partying? Have fun but be measured – work and social relationships can be harmed at Xmas.

3.   Communication

• Discuss sensitively: tell all concerned what you will / won’t be doing well in advance.
• Avoid arguments – everyone can be on edge so step back to safer ground.
• Bury the hatchet: use this time of peace and goodwill to end feuds and fights.

This Christmas prudence is especially important. Thousands face redundancy and millions of us will have less money in our pockets in 2012 due to public cuts. Spend time and energy with loved ones rather than spending ill turn from spending absurd amounts of money to spending lots quality time with loved ones – and getting their values, life balance and priorities right. My Christmas wish is to see more fitter, happier people– and fewer with Christmas induced debt in 2012.

Rasheed Ogunlaru is a leading life coach, business coach and motivational speaker.