Rasheed OgunlaruWe needlessly stretch our finances, family relations and waistlines at Christmas. While it's a season of good cheer for children, it often spells tears, stress, debt, break-up and unhappiness for adults. The secret to a happy Christmas it is preparation, communication and moderation: plan in advance, avoid arguments and spend, eat and drink in moderation.

The three wise keys of Christmas

1.    Preparation

  • Set a budget you can afford and stick to it: don't give in all the ads, expectation and hype.
  • Decide who you do and don't want to spend time with over Christmas and for how long.
  • Give everyone time and space to plan and to adjust/overcome any disappointment.

2.    Moderation

  •  Are times tough? Set a gift truce. Agree not to buy each other gifts, or only buy for kids.
  •  Know your limits when it comes to food and drink.
  • Partying? Have fun but be measured - work and social relationships can be harmed at Christmas.

3.    Communication

  • Discuss sensitively: tell all concerned what you will / won't be doing well in advance.
  • Avoid arguments - everyone can be on edge so step back to safer ground.
  • Bury the hatchet: use this time of peace and goodwill to end feuds and fights.
The silver lining to the downturn, redundancies and tough times in 2009 is that thousands of people will turn from spending absurd amounts of money to spending lots of quality time with loved ones – and getting their values, life balance and priorities right.

Rasheed Ogunlaru is one of the UK's leading life/business coaches and motivational speakers.

For further information or to find out how coaching can help you call Rasheed Ogunlaru on 020 7207 1082, visit www.rasaru.com or email rasheed@rasaru.com