Track your spending, use cash and DIY gifts: how to keep your costs down this Christmas
- Written by Angelique Nadia Sweetman McInnes, Academic in Financial Planning, CQUniversity Australia

Australians are expected to spend more this Christmas than last, with spending projected to rise to A$69.7 billion. This is a 2.7% increase on what we spent last year on gifts, food and other treats for ourselves and others.
This is a lot at a time when many people are experiencing mortgage stress and high inflation. But by...