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December 2018

Christmas is a time when spending can easily get out of control. Even if you haven’t been extravagant, it takes a lot of planning and budgeting to avoid the Christmas debt hangover in the New Year. In January 2018, around 7.9 million

people said they were likely to fall behind with their finances that month due to spending too much at Christmas so this year have a look at our top tips to help you have a festive Christmas without breaking the bank.

Find out more by visiting the vClub Debt and Money Blog today!

Saving Money This Christmas

Did you know?

The Manager Support team offers support, help and guidance when you think an employee is drinking heavily and want to know how to

approach it.

Putting Things Into PerspectiveAt various points in life, we will all have periods where external circumstances feel overwhelming and we might experience that feeling of being ‘unable to see the wood for the trees.’ For instance, you might go through a difficult bereavement, a significant career change, a divorce or moving house. You might become a parent, hit a milestone birthday, get married or have a car accident. These changeful experiences (whether planned or otherwise) are a natural and unavoidable part of being human, however there are ways we can practice grounding ourselves during turbulent or busy spells, in order to cope better.

Coming towards the end of the calendar year especially, you may notice yourself reflecting on the past 12 months and beginning to form hopes and plans for the year ahead. It allows opportunity to take stock of decisions, achievements or things outside your control that have happened and helps to put things into perspective. Giving yourself space to contemplate in this way helps bring you into the present moment and make sense of your current circumstances in a more objective way. It can also prepare you for setting new intentions and, if it is not currently part of your yearly routine, can be a useful habit to cultivate.

for employees Validium Newsletter

Thankfulness & GratitudeTo be thankful is defined as being aware and appreciative of a benefit. Gratitude, however, is scientifically proven to have the following benefits:

� improves psychological and physical health � opens the door to more relationships � enhances empathy and reduces aggression � improves quality of sleep � improves self-esteem � increases mental strength

People aren’t hardwired to be grateful, it requires practice. Try keeping a gratitude journal and note down what you are grateful for every day - anything from the sun shining, kindness shown by a friend or even your car passing its MOT! By noticing your day-to-day world from a point of gratitude, you will be amazed at all the goodness we take for granted. Also, the awareness of what we’re grateful for can lessen our tendency to want more all the time.

For fun daily tips to boost your wellbeing this December, visit www.validiumadventcalendar.com and open a new door each day!

selene

DEC 18 NEWSLETTER PG2