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It's that time of the year again: the presents have been unwrapped and the Christmas jumper folded away, and now all that's left is the hangover from the festivities. It's time to sit down and think hard about what you would like to change, and how.

We roundup the major changes that will have an effect on your money this year.

It's the final countdown to Christmas, and that means people up and down the country will be racing to the shops for those last-minute festive goodies – and they're set to spend £894m on Friday alone.

Our Christmas spending is rising every year and more of us are struggling to clear last year's festive costs. So just how much will the season of joy cost you? Here's your Christmas in numbers