The money you have to spend for the upcoming holiday season might be somewhat reduced, but this does not mean times spent with family during the holiday has to be any less merry.

The Consumer Affairs Commission (CAC) warning that Christmas 2009 will be a little different from the usual celebrations for most explains that reduced remittances, and deepening job insecurity, among other factors, will have many families watching their budget this year.

Here are some things which the consumer watchdog suggests you can do to ensure that you are not stuck with massive bills come January.

• Reduce the number of Christmas lights that you hang this year.

• Buy more local produce. These are more accessible and can usually be sourced at a lower cost.

• Plan large family dinners instead of dining in small units. This way the cost can be shared and will prove to be less burdensome for any one individual.

• Offer coupons instead of gifts this season.

• Reuse your decorations and Christmas tree from last year.

• Ensure that your bills are paid before you decide to indulge.

• Focus on your needs not wants when you go shopping.

• If you are an impulsive shopper, leave your credit card behind when you go Christmas shopping.

• Try car-pooling for a night on the town. Most families like to be out on the road on Christmas Eve.

• Car-pool with a neighbour or a friend - you will save on petrol and there will be less traffic to contend with if other persons adopt this approach.

• Lower your consumption of alcohol and eat less cake this season. It will be good for both your pocket and your health.

• Plan entertainment wisely. Instead of recreation that will leave you in debt for the new year, try something a little simpler and cheaper - a family picnic, a drive to the country, a movie.

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