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    How to manage the Cost-of-Christmas Crisis

    It’s the most wonderful time of the year!
    But it’s also one of the most expensive.
    The Cost of Christmas Crisis, as it has been coined, is taking its toll again this year. Recent research from easymoney has revealed that people are cutting down on their Christmas spending this year, as the cost-of-living crisis has an ongoing impact. 59% of us are looking to make cuts this year, with 55% of respondents stating that whilst they usually have an extra savings pot put aside for Christmas, they have saved less than planned.
    Financial Planner Jodie Phelps has put together some top tips on how to manage your money in the Cost of Christmas Crisis when the purse strings are tighter than ever.

    Be aware of the potential for emotional spending during the holidays. Stay mindful of your emotions and instead of using retail therapy as a coping mechanism write a list of other things you enjoy doing so when you feel yourself about to spend do the other things on your list instead (eg. take a bath, go for a run, call a friend)
    BUT, recognise the emotional challenges that may arise during the holidays and prioritise self-care; allocate budget for activities that bring you joy and contribute to your well-being
    Develop a budget that reflects your changed financial circumstances and keep track of your spending
    Create a list of people you want to buy gifts for and allocate a specific amount for each person
    Consider creative and thoughtful gifts that don’t necessarily have to be expensive (eg. photo collages, scrap books, experiences). Remember, the holidays are about spending time with loved ones and creating meaningful memories, not just about the gifts.
    If you have a large family or friend group, consider setting limits on the amount spent on gifts or participating in a Secret Santa
    Plan your holiday meals in advance and create a shopping list. This can help you avoid last-minute, impulse food purchases/takeaways
    Be mindful of impulse purchases, especially when faced with holiday sales and promotions
    Look for discounts, compare prices, and consider using cashback or price-tracking tools to find the best deals
    After the holidays, review your spending and assess what worked well and what didn’t. Use this information to plan for the next holiday season.
    Make a note of your Christmas pay date when budgeting, as it’s usually earlier in December. Plan for the long stretch between Christmas pay day and January pay day
    Start saving a monthly amount for next Christmas so that next year you have money allocated for you to enjoy Christmas.

    You can find out more about Jodie on her LinkedIn.
    Relationship Tensions
    Financial tensions are a huge driver in divorce enquiries, and in a survey that we conducted, 60% of respondents said that the crisis was negatively affecting their relationship.
    If you do find that tensions around money build between you and your partner around this time of year, here are some suggestions on how to safeguard your relationship at Christmas. It’s important to remember that Christmas does not cause divorce and relationship breakdown. However, it can expose pre-existing issues, so getting to the root of the problem is very important.
    Stowe Solicitor Abi Jones has some top tips on reducing tensions around the festive season:

    Communicate – communication is central to healthy relationships and talking through your worries with your partner can help to alleviate pressure
    Lean on friends or family members outside of your relationship for support if needed
    Figure out where your priorities are, and if they are different to your partner’s
    If you have differing priorities, try to compromise and find where your middle ground lies
    Consider speaking to a financial planner or another professional – you can find our recommended partners in our Divorce Directory
    Try to focus on the positives, even if they seem insignificant. Small changes can make big differences over time
    Come up with interesting ways to celebrate this time of year together without the pressure of money
    Try to have some time together. Christmas can be a very busy time so spending time with each other is essential. It does not have to be big or expensive. It could be as simple as having a movie night together when the children are in bed.

    First Christmas After Separation
    Abi discusses how to manage your first Christmas after separation.
    It may be that this is your first Christmas after divorce or relationship breakdown. If this is the case, you may be more worried about money than you usually are as you may well have gone from a dual income household to single income. Not only this, but the routine and traditions of the day may also suddenly be different.

    Create experiences, rather than physical gifts
    Downsize your giving
    Use second-hand website such as Vinted or ebay
    Do Secret Santa instead of buying gifts for everyone
    Make home-made gifts
    Keep the celebrations small
    Don’t be tempted by payday loans, as this may cause more issues later on
    If you have young children, toy appeals may be available. Certain charities have toy appeals where individuals can donate toys which are then distributed between families
    Try not to compare your Christmas to others, either of your past or other people’s
    Manage the expectations of any children – let them know that change is normal but ensure they are informed of what changes, scheduling, what will be happening, where and when.

    Remember that Christmas is one day. There is a great deal of pressure for Christmas Day to be perfect, but it is just one day in the year.
    Think about how you want to spend your Christmas. Would you like to spend it with a friend, with family or even alone. This is an opportunity to make new traditions.
    Lastly, Christmas does not necessarily have to take place on 25th December. If this is the first year you do not have the children after going through a divorce or separation you can always pause your Christmas until the day after or have it before.
    Useful Links
    Financial Wellbeing with Jodie Phelps or watch on YouTube
    Surviving Christmas after Separation
    Child arrangements at Christmas
    Christmas alone with divorce and break-up coach Claire Macklin
    Budgeting solo during a cost-of-living crisis: Listen on Spotify or Watch on YouTube
    Supporting children through divorce: Listen on Spotify More

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    Making arrangements for children this Christmas

    With less than two months until Christmas, now’s the time to agree how your children will spend time with their other parent during the holidays.
    Christmas can be a time of tension for separated parents as they plan the festivities and plan where and how they’ll each see the children. 
    So, we asked our Regional Director for Yorkshire, Rachel Roberts, to share her advice for parents on taking the strain out of making child arrangements for Christmas. 
    Child arrangements and Christmas
    As we approach December, we see a flurry of clients getting in touch for help to try and resolve arrangements for the festive season. 
    Before I turn to my tips on how best to manage arrangements, there are a couple of key points from the Government and family law sector that are certainly at the forefront of my mind when advising clients.
    Last year, a leading family judge made it clear that parties should only be bringing disputes over children to court where absolutely necessary. The judge went on to criticise parents for asking the court to micro-manage children arrangements. The view from the court is clear – where possible you should be sorting these things out yourself.
    The Government have said that further lockdowns are unlikely and have been clear that restrictions do not prevent children from moving between separated parents, provided they are not self-isolating. 
    It seems unlikely that this will change, and CAFCASS (the government body that advises the court on children disputes) has stressed the need for children to maintain their usual routine.
    All that said, it is naive to think that difficulties will not arise, and the following guidance may help avoid unhappiness at Christmas.
    Tips for making child arrangements during Christmas 
    Preparation is key
    If you do not have plans in place, now is the time to start. Talk to your ex-partner and agree on arrangements that work for you all.
    Some clients I have worked with agreed that the children would spend Christmas Eve at one home and then return to the other for lunch on Christmas Day.
    Other clients decided that they would spend the whole festive period with one parent and the next year spend it with the other, alternating between the two.
    It is a personal choice based on what works for your family, but also the age of the children, location and how amicable you are.
    Be prepared to be flexible as plans may need to change. 
    Focus on the children 
    First and foremost, put the children at the heart of the plans you make. A different type of Christmas can still be a good Christmas. Talk about the positive: two Christmas Days, two sets of presents etc.
    Make sure you share your plans with the children. Depending on the age of the children, ask them what they would like? Older children need to feel they have a voice. 
    Once in place, sharing plans with the children means they know where they will be throughout the holiday, and the routine will make them feel safe and secure.
    Creating a visual plan can help as dates can be difficult for a child to understand. One client created a Christmas themed wall planner for their younger children. A tech-savvy teenager may prefer a joint Google calendar.
    Be fair to the other parent
    If this is your first year as a separated parent, this will all feel very raw and difficult. It is likely that you will both be dreading not spending Christmas entirely with your children. 
    Even though it can be difficult, try to think about the impact of any plans on your former partner. Ask yourself if you would be happy with the proposed arrangements next year? If the answer is no, then maybe they should be reconsidered. 
    Stick to the plan
    This year may require a certain level of flexibility, but where possible, it is important that, whatever arrangements you come to, you both stick to the plan. 
    Last-minute changes can cause feelings of disruption and uncertainty for children. And, whilst flexibility is an essential part of positive child arrangements, it is important to maintain consistency and provide stability.
    Get advice early, if needed
    Christmas is chaotic and organising a co-parenting schedule on top of everything else is never going to be easy, especially if communication between you and your ex-partner is difficult. 
    If you are struggling this year, take advice from a family lawyer who can try to assist in negotiating an agreement. 
    If you cannot reach an agreement, mediation can help as the presence of a 3rd party often eases tensions and result in finding common ground. 
    Mediation is still taking place via video conferencing, and many of our clients have reported that it is easier than being in the same room as their former partner.
    Court proceedings are possible but should be used as a last resort, and, due to the current strain on courts from the pandemic, it is highly unlikely that you have any prospect of a contested hearing before Christmas. 
    Hopefully, these tips, combined with some careful planning, compromise and putting the children first,  will help you and your ex-partner move forward towards a harmonious Christmas.
    Get in touch 
    If you would like any advice on child arrangements during Christmas, or other family law issues, please do contact our Client Care Team to speak to one of our specialist divorce lawyers here. 
    This article was previously published and has since been updated.  More

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    Making arrangements for children during Christmas

    Child arrangements during Christmas
    After the past two years, time with loved ones has never felt so important, but for separated parents Christmas can be a time of tension, as plans need to be agreed about where and how children will spend the festive season. So how do you agree on arrangements for children during Christmas?
    We asked our Regional Director for Yorkshire, Rachel Roberts, to share her advice on child arrangements during Christmas.
    Child arrangements and Christmas
    As we approach Christmas, we see a flurry of clients getting in touch for help to try and resolve arrangements for the festive season. 
    Before I turn to my tips on how best to manage arrangements, there are a couple of key points from the Government and family law sector that are certainly at the forefront of my mind when advising clients.
    Last year, a leading family judge made it clear that parties should only be bringing disputes over children to court where absolutely necessary. The judge went on to criticise parents for asking the court to micro-manage children arrangements. The view from the court is clear – where possible you should be sorting these things out yourself.
    The Government have said that further lockdowns are unlikely and have been clear that restrictions do not prevent children from moving between separated parents, provided they are not self-isolating. 
    It seems unlikely that this will change, and CAFCASS (the government body that advises the court on children disputes) has stressed the need for children to maintain their usual routine.
    All that said, it is naive to think that difficulties will not arise, and the following guidance may help avoid unhappiness at Christmas.
    Tips for making child arrangements during Christmas 
    Preparation is key
    With the added uncertainty of another Christmas during the pandemic, trying to put in place arrangements for Christmas in advance is tricky.
    If you do not have plans in place, now is the time to start. Talk to your ex-partner and agree on arrangements that work for you all.
    Some clients I have worked with agreed that the children would spend Christmas Eve at one home and then return to the other for lunch on Christmas Day.
    Other clients decided that they would spend the whole festive period with one parent and the next year spend it with the other, alternating between the two.
    It is a personal choice based on what works for your family, but also the age of the children, location and how amicable you are.
    Be prepared to be flexible as plans may need to change. 
    Focus on the children 
    First and foremost, put the children at the heart of the plans you make. A different type of Christmas can still be a good Christmas. Talk about the positive: two Christmas Days, two sets of presents etc.
    Make sure you share your plans with the children. Depending on the age of the children, ask them what they would like? Older children need to feel they have a voice. 
    Once in place, sharing plans with the children means they know where they will be throughout the holiday, and the routine will make them feel safe and secure.
    Creating a visual plan can help as dates can be difficult for a child to understand. One client created a Christmas themed wall planner for their younger children. A tech-savvy teenager may prefer a joint Google calendar.
    Be fair to the other parent
    If this is your first year as a separated parent, this will all feel very raw and difficult. It is likely that you will both be dreading not spending Christmas entirely with your children. 
    Even though it can be difficult, try to think about the impact of any plans on your former partner. Ask yourself if you would be happy with the proposed arrangements next year? If the answer is no, then maybe they should be reconsidered. 
    Stick to the plan
    This year may require a certain level of flexibility, but where possible, it is important that, whatever arrangements you come to, you both stick to the plan. 
    Last-minute changes can cause feelings of disruption and uncertainty for children. And, whilst flexibility is an essential part of positive child arrangements, it is important to maintain consistency and provide stability.
    Get advice early, if needed
    Christmas is chaotic and organising a co-parenting schedule on top of everything else is never going to be easy, especially if communication between you and your ex-partner is difficult. 
    If you are struggling this year, take advice from a family lawyer who can try to assist in negotiating an agreement. 
    If you cannot reach an agreement, mediation can help as the presence of a 3rd party often eases tensions and result in finding common ground. 
    Mediation is still taking place via video conferencing, and many of our clients have reported that it is easier than being in the same room as their former partner.
    Court proceedings are possible but should be used as a last resort, and, due to the current strain on courts from the pandemic, it is highly unlikely that you have any prospect of a contested hearing before Christmas. 
    Hopefully, these tips, combined with some careful planning, compromise and putting the children first,  will help you and your ex-partner move forward towards a harmonious Christmas.
    Get in touch 
    If you would like any advice on child arrangements during Christmas, or other family law issues, please do contact our Client Care Team to speak to one of our specialist divorce lawyers here. 
    This article was first published in 2018 and has since been updated.  More