Have you done all your Christmas shopping yet? It is so easy to fall into the trap of overspending at this time of year — particularly when gift giving turns competitive.
If you have children at primary school, you will know exactly what I am talking about.
The chances are that the class rep at your child’s primary has set up a “group chat” on WhatsApp. This a godsend for finding out about non-uniform days — particularly the sort where your little darling needs to dress as a character from their favourite book — or the timing of the nativity play. But the digital equivalent of chatting at the school gates is also being used to extract money.
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