It can be an expensive time of the year this Christmas lark.
We don't go mad, we buy gifts for the grandchildren between £10 and £20 a head.
We buy extra food so we can feed the family when they visit.
We budget for all this and do it without using plastic or going into overdraft.
But then there is work, 5 people leaving, would I like to contribute £3 towards a leaving gift?
Two Secret Santa's, £5 would I like to join in? Yes to one, no to the other.
It's traditional to contribute to a gift for the line manager, £6.75 this year.
Two Christmas do's, would I like to go? One is £30, the other is £45, plus fares and drinks, no thanks to both.
The end of term buffet, could I please donate some cartons of fruit juice, just a couple of quid.
Lets all dress up on the last day of term, lets all spend £16 in Primarni on matching dresses that we will never wear again.
This comes to about £50 without the Christmas do's.