Christmas is fast approaching, and you may well be sticking your head in the sand by refusing to sort out Christmas arrangements, make plans, agree on spending limits or extend invitations. While it’s tempting to just assume you’ll be able to improvise and make it up as you go along, Christmas is a challenging time socially, with many contending demands on your time. You will need to prioritise children and elderly relations, ensure that nobody feels left out, make time for f