This is a season of spirituality, festivity, family, fun and sharing. But it is also a time that can leave you stressed, depressed, lonely and in debt. So here are my top tips.

Time: Decide who you want and need to spend time with and how much time is healthy for you and them. There’s no point anyone overstaying their welcome.

Money: Set a budget that you can afford and stick to it. You are not Santa; it’s not job to bestow gifts to the whole world. If money is tight then agree with friends and loved ones not to buy gifts or to perhaps limit gifts to children.

Communication: Once you know what you’re doing then communicate this to those involved as soon and as warmly as possible. This gives everyone time to plan, adjust and accept. Heart-felt communication may also re-build bridges.

Children: Remember it is time and love that they really need from you, not money.

Food and drink: Know your limits and stick to them. Piling on the pounds is far easier than losing them. Have fun and be measured. You’ll be pleased you did come January.

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