We're being told to spend wisely this Christmas and avoid getting into debt.
That's from Pauline Wood, the Advice Centre Manager at the Office of Fair Trading in the Isle of Man.
It's after a survey in the UK showed one in four people who ran up debts last Christmas are still paying them off.
Pauline says you don't have to go overboard this year (audio file attached):
Ministers to meet with LVA to discuss hospitality concerns
Comes after concerns raised about the issues facing the industry
Looneys of Ramsey to close
Number of factors behind the decision
Trade is good, but it's still a struggle to make a profit, says local business
Comes after calls for gov't to do more to help hospitality sector
Villiers Square development plans approved
Two buildings proposed for the site
Developer offers Newson's building to government 'free of charge'
But government minister thinks it wouldn't be appropriate to accept
Financial education course launched through UCM
Two-year course combines various qualifications
