Low-earning households are being urged to start saving money now in time for next Christmas.

The Money Advice Trust (MAT) debt charity is advising consumers who struggle with savings to budget for the year ahead.
One idea, it says, is to join a credit union.
An internet survey conducted for the MAT also suggests that more people will struggle with their finances this January than was the case last year.
Some 16% of people questioned said they were likely – or very likely – to fall behind with their finances in January, as a result of Christmas spending.
That amounts to 7.9 million people, the MAT said, and compares with 11% in a similar poll last year.
The majority – 68% – said they would cope sufficiently during the month.

Rita Dove