Christmas is a wonderful time of year, no doubt, but there's also an awful lot of hype around it.
Commercialism runs rampant, and there's no watching television without being assailed with advertisements featuring Santa, snow and penguins - and all this during the Southern Hemisphere's summer months.
It's a time for loved ones to get together, and a time to reflect on the year past. For many, it's also a chance for some well-earned time out to refresh and recharge the batteries for 2012.
But there's another side to the festive season that often tends to get buried under the annual avalanche of tinsel and wrapping paper.
Aside from the basic hassle of simply finding time to make all the right preparations for the big day, more and more families are finding it tough to meet the financial stresses of the season.