Families hoping to get ahead for Christmas have already faced a lot of financial uncertainty this year - but there's still more to come.
It can be hard to budget when you don't know what's around the corner, especially if you are on a low income, and there's been plenty of pressure on household budgets already this year. But the good news is that some of the changes afoot could actually help your festive celebrations instead of hinder them.
A lot of the Government's cost of living payments are due to hit your bank account before Santa comes, but there's other changes that might impact you that are not so welcome.
