Worried about your gifts not turning up in the post or left your shopping a little late this year? We share 10 thoughtful last-minute gifts you can make, arrange, or easily buy locally, without spending too much time or money

While some of us worry about the Christmas creep, for others, it’s like the holidays suddenly arrive with a shock of panic and a sense of overwhelm. Despite being the same time and date every year, figures show that around one in five of us still try to cram in some last-minute shopping come Christmas Eve. And thanks to our late spending habits, two in five spend more than we mean to.

We all know the best advice: save early, plan ahead, and spread the cost - it’s the thought (not the price tag) that counts. But that doesn’t feel very helpful when you’ve missed the cut-off for gifts to arrive in time in the post, and you’ve still not got everything.

We share 10 simple, affordable (or free) gift ideas you can make or easily buy without waiting for shipping, to help take the last-minute stress out of the holiday season.

Why is Christmas shopping so stressful?

The reasons why many of us find shopping at Christmas to be stressful can vary greatly from person to person. Common causes for our procrastination and feelings of overwhelm can include unrealistic or high expectations (set by ourselves or others), a need to make everything ‘perfect’ or fear of ‘ruining’ Christmas for others if things don’t go exactly as planned.

The overall cost of the holidays (food, travel expenses, gifts, decorations) can also be a significant contributor. Others can feel a growing sense of anxiety, worry or fear that they won’t choose the ‘right’ gift. This emotional insecurity can lead to further procrastination, making us feel worse and worse as time draws on.

While tackling things before they can get out of hand and make us feel worse is often the best course of action, it’s important to remember, it’s never too late to show someone you care.

Psychotherapist and Counselling Directory member, Lisa Ume PGDip (Accredited), B.Sc(hons), explains how you can prepare for the reality of Christmas.

10 last-minute Christmas gifts to show you care (without breaking the bank)

1. Share something you love
Think back over the past year. Has there been a book (physical or audiobook) that has really stuck with you? Easy (and often affordable) to pick up, gifting a book can also give you the time and space to add a personal message explaining why you wanted to share this gift with them, how it made you think about the person you’re gifting it to, or how it made you feel (and hope it will make them feel, too).

Books aren’t your only option. If you’re a podcast fan, why not gift a notebook or a curated digital list of your top podcasts, filled with particular episodes you think your loved one will enjoy? Listening to podcasts can be a grea

With food costs on the rise and everyday essentials taking up an uncomfortable chunk of our budgets, we ask: how can you really save money on your weekly food shop?

According to the latest figures, we spend an average of 16% of our budget on food and non-alcoholic drinks. For the average UK household, that’s around £3,601 on groceries, and £1,744 on takeaways and eating out each year. That means we’re spending nearly £70 on our weekly food shop, and £31 on takeaways. Other figures have estimated a £643 rise in average grocery bills this year, with shoppers paying around £12 extra each week to buy the same food and groceries.

With inflation at a 40-year high leaving many of us seeing soaring gas and energy prices, while wages for the majority of workers are falling behind inflation, it’s no wonder more and more of us are looking for creative ways to save money.

But other than the obvious changes of cutting back on meals out, ditching the occasional coffee on your way to work, and switching down a brand on your favourite purchases, what can we do to save money on food shopping?

Keep track of what you have

Know what you have in your cupboards before you get started. How many times have we all accidentally bought yet another pack of lasagna sheets, pasta sauces, or our fave cupboard staples? By knowing what you have, you can minimise food waste and your weekly shopping spend. If you struggle to remember what you’ve got, apps like No Waste can help you to easily track your fridge, freezer, and food cupboards, helping you to create shopping lists and plan around the ingredients you've got.

Plan your meals before hitting the shops

We’ve all heard the advice: don’t go shopping on an empty stomach. But it’s not just our hunger that can lead us to over-spending - our lack of planning can lead to us buying an unbalanced basket, relying heavily on more expensive ingredients or ready-made options.

Planning your meals for the week ahead (breakfast, lunch, dinner and snacks) can help you to avoid the temptation of splurging on extra takeaways or meals out. It can also reduce the time and energy needed to think about what you’re going to cook - something that can lead many of us to feel demotivated at the end of a long, stressful day.  

Meal planning can also help us to pick more sensible meal options. Making a full-on roast may sound like a great idea when you’re shopping on a Monday, but when Sunday rolls around and you’re feeling the end of the weak dread, you might not have the energy to cook such a big

Researchers have found a link between financial fears and low energy, and it could be impacting you at work

It’s fair to say that we all have a lot on our minds at the moment. The cost of living crisis is dominating news headlines, and our day-to-day conversations, too. And many of us are having to take a hard look at our finances in order to navigate the time ahead of us.

Financial worries can affect each of us in a number of different ways, most commonly stirring up feelings of stress, anxiety, and depression. But a new study from Censuswide and Unum has highlighted the way that it might be affecting us at work.

What they found was that 29% of UK workers said financial worries from the cost of living crisis had negatively impacted their productivity at work this year, with 31% expecting this to continue into 2023. A further 40% said that their worries about financial pressure leave them feeling physically tired, and 32% said that the pressure keeps them up at night.

From there, it’s easy to see how an individual may slip further into mental health struggles. In a Mind survey of more than 1,000 people, 73% reported that when their mental health is poor, they struggle more to manage their money, and 74% also said that difficulty managing money then went on to affect their mental health – a demonstration of the cyclical trap that financial trouble can turn into.

Money worries can also lead to feelings of isolation. Generally, we don’t find it easy to talk to others about our concerns, even (and sometimes, especially) those who are close to us. We can also feel pressure to put on a front – to continue to turn up to pricey social events when, really, we don’t have the spare cash to do so. Overall, the situation can feel quite hopeless, but Mark Till, CEO of Unum UK believes that workplaces should be stepping in to help employees.

29% said that financial worries had negatively impacted their productivity at work

“Our research captures some major red flags in the lack of support from businesses and the resulting impact on productivity, as well as physical and mental health,” Mark says. “With only 15% of workers expecting their productivity to improve in 2023, employers need to be aware of the long-term implications of not helping employees during the current difficult economic climate.

“High-quality employee benefits and support services are essential, but employees can’t utilise these unless they’re aware of them. Communication and embedding these benefits are critical, as well as enabling a culture where employees feel they can speak freely about concerns and understand where to go to access early intervention support.”

Are you aware of the support that you might be entitled to? Read our guide to checking your Employee Assistance Program, and we’ve also got advice for managing your money and your mental health, as well as dealing with financial shock.

A solution for financial worries often feels out of reach. Afterall, if the problem is ‘lack of money’, most of us don’t have the ability to conjure up some more. But when it comes to managing the feelings caused by the worri

We’re sharing some free financial wellbeing resources to support you through this period of economic uncertainty, including EAPs and how to access them

The cost of living is on the rise and financial hardship is placing a burden on our mental wellbeing. Managing finances can cause stress for many people; trying to balance the cost of energy bills, rent or mortgage repayments, whilst many are having to decide between heating and eating.

Recent announcements are all the more confusing, worrying and, quite frankly, tiring. However you’re feeling right now, know that you are not alone. Below, we examine the benefits of EAPs - including what they are and how you can access them - as well as some additional support systems and free financial wellbeing resources.

What are EAPs?

Employee Assistance Programmes (EAPs) are a type of employee benefit that many employers offer their staff. In an effort to minimise lower levels of productivity, EAPs are designed to help staff with personal problems that could impact their performance, physical and mental health, and wellbeing.

Generally, EAPs provide services such as face-to-face, online or telephone counselling and expert support for employees and their immediate families. The service is provided for little to no cost and is confidential.

While EAP schemes used to be predominantly for issues such as alcohol or substance misuse and family problems, they now often cover a broad range including legal problems, wellness advice, stress management and financial concerns, which makes them a useful resource during the cost of living crisis.

According to People Management, almost all businesses nowadays have an Employee Assistance Programme in place, but only an average of 5% of employees are utilising them.

Whilst EAPs provide a number of benefits to companies, including reduced absenteeism and higher productivity, their key benefit lies in the ability to promote wellness and help employees through personal challenges.

How can EAPs help during the cost of living crisis?

The Reward and Employee Benefits Association (REBA) outlines four ways in which EAPs can support people during the current cost of living crisis.

1. Providing financial information and support

EAPs are available 24/7 and are there to provide unbiased advice and support for those struggling with finances. They can be especially useful in our society where we still struggle to have open and honest conversations about money, particularly with our employers. Having access to an EAP means individuals are able to find the support they need in confidence.

2. Offering financial help

Whilst some companies are offering bonuses to their staff to help them through the toughest period of the crisis, many businesses are also affected by the economic downturn. EAPs often offer employees benefits such as discounts and vouchers for retailers and groceries, which can go some way to supporting those struggling to feed their families.

3. Access to mental health services

As financial stress has been known to increase anxiety and Read more

Have you ever found yourself slipping into bad spending habits online, that you just can’t get out of? You could be experiencing financial quicksand

Money. It’s one of those taboo subjects that many of us feel uncomfortable talking about. According to one 2020 survey from the Money and Pensions Service, 29 million UK adults don’t feel comfortable talking about money, despite 48% worrying about their finances recently.

With concerns around growing inflation, and the impact of rising costs on households, there’s never been a more important time to better understand our finances – and to feel able to ask for help.

What is financial quicksand?

Popularised by Citizens Advice, the term financial quicksand is used to refer to the slippery slope of online spending. Companies influence us to make spending decisions in both deliberate and subtle ways. By introducing risky or longer-term spending commitments to us when we’re already checking out online, it can lead to financial commitments we aren’t fully considering. And by the time we realise? We’re already in too deep, spending more than we can really afford.

Financial quicksand can include different kinds of spending, such as:

By Now, Pay Later (BNPL) schemes

When you click to delay payments, or split one cost into smaller, monthly payments, you are entering into a BNPL contract. Many people find themselves agreeing to these without fully understanding what they are signing up for (e.g. the total amount of payments, interest rates, or even late fees).

More and more online retailers are offering BNPL options once you’re already trying to pay – making those ‘six easy payments’ sound much more enticing (and often just one click away).

Research undertaken by Citizens Advice reveals that one in four people regret using BNPL schemes, two in five struggle to meet repayments, and one in three miss or make late payments. Worryingly, two in five of us who have used BNPL didn’t realise it until after the sign-up process.

Online gambling

Apps are often easy to access, taking minutes to create an account. For those who experience gambling addiction or want to limit their spending, protections (maximum spending limits, forced breaks) can be difficult to access, or may have a delay in being applied.

Closing accounts can be tricky, whereas money can be deposited with just a single click. Many apps even accept Apple and Google Pay, meaning you don’t need to enter your card details at all. This can make tracking your spending much harder, meaning you’re more likely to fall into gambling debt.

Subscriptions services

Often offering free trials with just a couple of clicks, cancelling subscriptions can be extremely hard. You may need to directly call a customer service line, but finding the number isn’t easy through the website’s FAQs or menu, and only has limited availability. Or perhaps they have a complex chat system that requires you to jump through hoops with buggy chatbots sending you round in circles.

Many subscriptions turn into automatic payments unless you click to cancel in time, and some companies avoid using the word