Author: Vicki Wootton-Champion

Coping financially after Christmas

Posted on by Vicki Wootton-Champion

How to cope financially after Christmas and get back on track for the New Year: A Guide to Financial Wellness and Mental Health

The festive season is a time of celebration, joy, and connection. However, for many, it also comes with the inevitable aftermath of overspending. Between gifts, travel, meals, and other Christmas-related expenses, January can feel like a financial hangover. Not only can this strain your wallet, but it can also take a toll on your mental health.

Fortunately, there are practical ways to recover financially, while also looking after your emotional well-being.

  1. Acknowledge the stress

The first step to tackling any challenge is recognising and acknowledging the stress it causes. If your bank account feels depleted or your credit card bills are looming, it’s important not to shame yourself. Over Christmas, many people overspend, either by choice or out of necessity.

Remember, you’re not alone in feeling stressed about money after Christmas. It’s normal to feel anxious, but self-compassion is key. Reassure yourself that it’s okay, and with the right steps, you will bounce back.

  1. Review your finances with a calm mindset

Once the dust settles, take a deep breath and start by reviewing your financial situation. Don’t delay it, as facing it head-on can help you regain control.

  • Make a list of all expenses: Start by listing out any gifts you bought, holiday travel costs, and additional spending. Compare it with your income to see where you stand.
  • Review your debts: If you used credit cards to fund your Christmas spending, it’s time to face those balances. Review your credit card statements and loan payments.

 

  1. Create a realistic repayment Plan

The good news is, January can be a fresh start. Instead of getting overwhelmed by how much you owe, focus on creating a repayment plan that suits your current situation.

  • Set manageable goals: Break down your debts into monthly payments. Pay off high-interest debts first, such as credit cards, and then move on to loans or other balances.
  • Consider consolidating or refinancing: If you’re carrying large debts with high interest rates, explore options for consolidating or refinancing your debts. This can lower monthly payments and reduce overall interest.
  • Set up automatic payments: If you’re worried about missing payments, setting up automatic transfers can help you stay on track.
  1. Rebuild Your emergency fund

Once you’ve taken care of your immediate debt, it’s time to focus on rebuilding your financial safety net. The goal is to have an emergency fund that can cover 3-6 months’ worth of living expenses.

Start small—begin by setting aside a percentage of your income each month. Even saving a small amount can help you regain peace of mind and reduce future anxiety.

  1. Look for new income streams

Sometimes, cutting back isn’t enough to regain control of your finances. If you’re feeling financially squeezed after the holidays, consider ways to increase your income.

  • Side gigs: Look into freelancing, tutoring, pet-sitting, or other side jobs that align with your skills. Apps like Uber, TaskRabbit, or Fiverr can offer flexible work options.
  • Sell unused items: The new year is a great time to declutter. Selling items you no longer use can help replenish your wallet.

 

  1. Prioritise mental health and self-Care

Financial recovery is important, but so is emotional recovery. The stress of Christmas spending can take a toll on your mental well-being, leading to anxiety, guilt, or even depression. Therefore, it’s essential to prioritise mental health during this time.

  • Practice mindfulness: If financial stress feels overwhelming, take a few minutes each day to practice mindfulness or meditation. These exercises can help calm the mind, lower stress levels, and improve emotional clarity.
  • Exercise and sleep: Physical activity is a powerful way to improve both mental and physical health. Whether it’s a brisk walk or a full workout, regular movement releases endorphins, which can help counter feelings of anxiety or depression. Likewise, getting enough sleep is essential for your body and mind to recover.
  • Talk about it: If you’re feeling particularly stressed or anxious, don’t hesitate to reach out to a trusted friend, family member, or a mental health professional. Sometimes, talking about financial struggles can help you feel less isolated and provide new perspectives on managing stress.
  • Set realistic expectations: It’s important to be realistic with yourself about what you can achieve financially in the short term. Avoid comparing yourself to others who may seem financially better off. Focus on your own path and take it one step at a time.
  1. Reevaluate your budget for the new year

Looking forward, it’s an excellent opportunity to reset your budget. Think of it as a chance to prioritise financial goals that align with your values and long-term objectives.

  • Track spending: Start using budgeting apps or spreadsheets to track your spending each month. Having a clear view of where your money goes can help you avoid overspending next year.
  • Set short-term and long-term financial goals: Whether it’s saving for a holiday, paying off a credit card, or building your retirement fund, setting specific and realistic financial goals will help you stay motivated throughout the year.
  • Make room for fun: While sticking to your budget is essential, it’s also important to allow some room for enjoyment. Financial well-being isn’t just about restrictions—it’s about balance. Set aside a portion of your budget for leisure or personal growth.
  1. Celebrate your wins, big and small

Getting back on track financially and mentally after Christmas is a journey, and it’s important to celebrate your progress along the way. Whether you’ve paid off a small debt, stuck to your budget, or simply taken a step toward financial stability, every win is a success.

 

For further help, advice and support visit:

 

  • NHS Services: The National Health Service provides mental health services, including assessment, therapy, and support for individuals experiencing financial stress.
  • Debt Advice Services: Organisations like Citizens Advice, StepChange, and National Debtline offer free and confidential debt advice, budgeting support, and debt management plans.
  • Local Community Support: Many local councils offer support services, community programs, and resources to help individuals facing financial difficulties and mental health challenges.

 

Making new year’s resolutions that support your mental health

Posted on by Vicki Wootton-Champion

New Year’s Resolutions and Mental Health: A Thoughtful Approach

The start of a new year often brings a sense of hope and renewal, making it a popular time for setting resolutions. Many people view the new year as an opportunity to improve their lives, whether that’s through fitness goals, learning new skills, or breaking bad habits. However, when it comes to mental health, the pressure to make drastic changes can sometimes do more harm than good.

This year, instead of focusing on achieving perfection or meeting external expectations, strive to approach New Year’s resolutions with compassion and mindfulness. Here’s how you can make resolutions that support your mental health, rather than contributing to unnecessary stress.

  1. Set Realistic and Compassionate Goals

When making New Year’s resolutions, it’s essential to be realistic. Set goals that are achievable and kind to yourself. Instead of aiming for perfection, focus on progress. For example, rather than vowing to lose a specific amount of weight or achieve a certain physical appearance, set a goal like “I will move my body in a way that feels good to me” or “I will focus on nourishment and self-care this year.”

By setting realistic and compassionate goals, you’re more likely to feel empowered and less likely to experience disappointment or frustration.

  1. Embrace Self-Compassion Over Self-Criticism

Many people approach the new year with a sense of self-criticism, using resolutions as a way to “fix” themselves. This can create feelings of shame or guilt if things don’t go as planned. Instead, practice self-compassion. Understand that setbacks are normal, and it’s okay if you don’t meet every goal perfectly. Treat yourself with the same kindness and patience you would offer a friend.

Try reframing your resolutions to focus on self-compassion, like “I will be patient with myself when things don’t go as planned” or “I will celebrate my small wins and progress.”

  1. Prioritise Mental Health Goals

Often, New Year’s resolutions focus on external achievements, but prioritising your mental health can lead to long-lasting fulfilment. Consider resolutions that nurture your emotional and psychological well-being, such as:

  • “I will take breaks when I need them.”
  • “I will practice mindfulness or meditation regularly.”
  • “I will reach out to loved ones for support when I need it.”
  • “I will seek professional help or counselling if needed.”

Focusing on mental health goals allows you to make self-care a priority, and helps you build a foundation for greater well-being throughout the year.

  1. Avoid Comparing Yourself to Others

New Year’s resolutions often come with the pressure to live up to the success and achievements of others. Social media, especially, can amplify feelings of comparison. But remember that everyone’s journey is different. Instead of measuring your progress against others, focus on your personal growth. Celebrate the small wins, and acknowledge how far you’ve come, even if it doesn’t look like anyone else’s path.

Try setting goals that reflect what you need, rather than what others expect. “I will do what feels best for my life and my well-being” is a powerful, affirming resolution.

  1. Allow Flexibility and Room for Growth

Resolutions don’t have to be rigid. Life is unpredictable, and sometimes things won’t go according to plan. Allow yourself flexibility in your goals. For instance, if you’re trying to develop a habit, but you miss a day or two, don’t let it derail your entire resolution. Embrace the journey of growth rather than focusing on a final destination.

“Progress, not perfection” is a great mantra to carry with you throughout the year.

  1. Celebrate Your Achievements, Big and Small

A key part of mental health is acknowledging and celebrating your accomplishments, no matter how small they may seem. Whether you successfully practiced mindfulness for a few minutes each day or made time for a hobby that brings you joy, take time to celebrate these moments. Each step forward is progress, and each achievement is worth acknowledging.

Instead of focusing solely on the end goal, take pride in the process and the personal growth that comes with it.

  1. Be Kind to Yourself in Times of Struggle

Even with the best intentions, there will be moments when things don’t go as planned. This is completely normal. If you find yourself feeling overwhelmed, anxious, or discouraged, take a step back and breathe. Acknowledge that it’s okay to struggle, and don’t let it define your progress.

During these times, remember that your worth is not determined by your resolutions or how well you meet them. You are worthy of love, respect, and care simply because you are you.

New Year’s resolutions can be a wonderful tool for growth, but it’s essential to approach them with a mindset that prioritises your mental health. Instead of focusing on perfection or rigid goals, focus on progress, self-compassion, and balance. Your resolutions should support you, not add pressure or stress to your life.

As you move into the new year, remember that taking care of yourself—emotionally, mentally, and physically—is the most important resolution you can make. You are enough, and you deserve a year filled with kindness, growth, and peace.

 

Setting Boundaries with Family at Christmas Time

Posted on by Vicki Wootton-Champion

Setting Boundaries with Family at Christmas Time for Your Mental Health

The festive season is often portrayed as a time of joy, family togetherness, and celebration. However, for many people, the pressure to meet these expectations can be overwhelming. Family dynamics can be complicated, and when it comes to Christmas, emotions often run high. Navigating these moments while maintaining your mental well-being requires one important tool: boundaries.

Setting boundaries with family members during Christmas may feel uncomfortable or even unnatural, especially when there’s an unspoken expectation to be cheerful and fully present. But the reality is, your mental health should always come first. Creating healthy boundaries with family during this festive time is not only necessary for your well-being but can also lead to more authentic and enjoyable connections with your loved ones. Here’s how you can set boundaries this Christmas to protect your mental health.

  1. Recognise the Importance of Boundaries

Boundaries are not about building walls or creating distance; they are about protecting your energy, time, and emotions. They allow you to define what is and isn’t acceptable in your interactions with others. During Christmas, you might feel the pressure to please everyone or to participate in every event, but the reality is that this is not always possible.

Acknowledge that it’s okay to set limits on how much you give to others, whether that’s emotionally, physically, or even financially. Remember, taking care of yourself is not selfish—it’s necessary. If you aren’t mindful of your own needs, you may end up feeling drained, anxious, or resentful.

  1. Communicate Your Boundaries Clearly

One of the hardest parts of setting boundaries with family is simply communicating them. You don’t need to explain yourself in exhaustive detail, but being clear and direct about what you need will help everyone involved understand your position. Whether it’s limiting the amount of time you spend at a family gathering, taking breaks during the event, or even setting expectations for the types of conversations you’re willing to engage in, be upfront.

For example, if you need a break from socialising, you might say, “I’m going to step outside for a few minutes to recharge.” Or, if you’re not comfortable discussing certain topics, you can politely express that: “I’d prefer to avoid talking about politics today—let’s focus on the good stuff.”

Being direct with your family can set the tone for healthier interactions, and it helps to reduce the anxiety that often comes from trying to please everyone.

  1. Learn to Say No

One of the most powerful tools for maintaining your mental health during the festive season is the ability to say “no.” It might sound simple, but saying “no” can feel like a monumental task when it comes to family obligations, especially during Christmas.

Whether it’s attending an event you’re not comfortable with, taking on extra responsibilities, or agreeing to engage in conversations that drain you, saying no is your right. You don’t need to justify your decision or feel guilty. A polite but firm “I can’t do that this year” is enough.

When you prioritise your own well-being, you send a clear message that your needs are just as important as everyone else’s. If you’re feeling burnt out, taking the time to say no allows you to recharge and avoid unnecessary stress.

  1. Be Prepared for Pushback

Unfortunately, not everyone will understand or respect your boundaries immediately, and that’s okay. Some family members may push back or even guilt you for setting limits. You might hear comments like, “It’s Christmas! Why can’t you just enjoy it?” or “You’re being selfish by not attending everything.” These reactions can be difficult to handle, but it’s important to stick to your boundaries.

If you face resistance, try to remain calm and assertive. Repeat your boundary as necessary, and don’t get drawn into guilt-inducing arguments. For example, if someone questions why you’re not attending an event, you can say, “I’m taking some time to focus on my mental health this year, and that means skipping some events. I hope you understand.”

Having a prepared response can help you stay grounded and assertive in the face of pressure.

  1. Prioritise Self-Care

Taking time for self-care during the festive season is crucial, especially when you’re managing family dynamics. Make sure to carve out time for activities that help you feel recharged, whether that’s going for a walk, meditating, reading, or simply taking a nap. You don’t have to be “on” all the time, and it’s okay to take moments for yourself to reflect, breathe, and reset.

Remember, you are allowed to put your needs first. If things are feeling overwhelming, take a step back and remind yourself that it’s okay to rest.

  1. Plan an Exit Strategy

Sometimes, family gatherings can be intense, and it’s important to have a plan for when you need to leave. Setting a time limit on how long you’ll stay at an event can help manage your expectations and prevent burnout. Having a clear exit strategy allows you to exit gracefully and avoid lingering in an uncomfortable situation.

If things become too overwhelming, it’s okay to leave early. If you feel anxious or mentally drained, excuse yourself politely, and remember that your well-being comes first.

  1. Seek Support When Needed

If you’re finding it difficult to navigate family boundaries during Christmas, seeking support can be incredibly helpful. Talk to a trusted friend, a therapist, or a counsellor who can provide guidance and help you process any emotions or challenges you’re facing. Sometimes, just having someone to listen can make a world of difference.

If your mental health feels at risk, don’t hesitate to seek professional help. Your therapist can help you develop strategies for setting and maintaining boundaries, and can also support you if things don’t go as planned.

 

Setting boundaries during the Christmas season isn’t about rejecting family or the spirit of the season—it’s about preserving your mental health so that you can engage with others in a healthier, more balanced way. By communicating your needs, saying no when necessary, and taking time for self-care, you can ensure that Christmas remains a time of joy and connection, rather than stress and burnout.

Remember, you deserve to enjoy Christmas in a way that feels right for you. Setting boundaries isn’t easy, but it’s one of the most important gifts you can give yourself during this busy time. By doing so, you’ll be in a better place to connect with your family and enjoy the season while maintaining your peace of mind.