So says Martin Lewis in his latest post on the subject of unnecessary Christmas presents (it’s only 3 minutes and worth a view):
“Zero sum giving”, “tit-for-tat giving” where, as he says, we end up with less money or in debt – and with ‘tat’ we don’t want or need….
This is just the right time to start having those conversations, before you go off to the shops or online to buy them.
If you need any more convincing, see also my previous blogs such as:
Whole People 