It’s beginning to cost a lot like Christmas. Caveat 1: Add up your receipts. Aim for 10% less than this amount next year. Caveat 2: This “How to Survive Christmas” leaflet makes me smile. I feel fed up in December (expensive, extensive, exhausting, manic, hoodie-wearing, hopeless, cold, grey, no money, no work, no exercise, irritated, fat, unfit). And now …

