According to the classic Andy Williams song, Christmas is the most wonderful time of the year. But it can also be the most expensive.
In fact, Australians are tipped to spend almost $24 billion this festive period. That's a lot of Christmas crackers.
To help keep your silly season spending in check and give your overall finances an end-of-year tune up, we're sharing 12 top tips from our personal finance experts.
And the best part? These tips work all year round.
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