It's not even December, and already it’s almost impossible to read a personal finance article that doesn’t include the words ‘in the run up to Christmas’. My social media feeds are full of photos of friends’ decorated firs and the caption ‘We’ve treed!’
The other thing that is guaranteed to happen around this time of year is that, possibly for the first time since you were a child, you’ve started to wonder if you need an advent calendar. Not one with tiny chocolate robins and angels in it, but a luxury calendar, filled with toys or booze or make-up, depending on your age and preferences.
What started as a bit of a jokey trend has fast become a new – and expensive – tradition. It’s becoming expected but at the same time, it's also very expensive.