Have you spent the last few days/weeks worrying about which gifts you are going to give to your family and friends? Are you constantly worrying about how you are going to be able to afford it all? STOP!

Time is the most important thing you can give to anyone, including yourself. The gift of time cannot be measured in monetary terms - when children grow up they will not remember which gifts they didn't have, but they WILL remember having fun, made-up games and laughter with you.

Don't stress yourself out if you have little money to spend - write an 'IOU' promising to give the gift of yourself this Christmas - maybe offer a loved one a massage or a nice meal to be cooked for them by you.

And give yourself the gift of some quality time out, maybe reading a few books or listening to some music. It needn't cost anything but you will feel better for it.

This should be a time for love and reflection and not for worrying about the bills coming in in January.

Ciao for now my lovelies,