Teaching children about finances in the run up to Christmas

Christmas is a time for joy and celebration, but it can also be a stressful time financially, especially for families with children.


Here are a few tips on how to teach your children about finance and ensure that Christmas doesn't ruin your finances:

  • Start early. The earlier you start teaching your children about finance, the better. This will help them to develop good financial habits that will last a lifetime.
  • Be open and honest about money. Don't shy away from talking to your children about money. Explain to them how much money you earn, how much you spend, and how you budget.
  • Teach them about saving money. One of the most important financial lessons you can teach your children is how to save money. Help them to set up a savings account and encourage them to save regularly.
  • Teach them about spending money wisely. Help your children to understand the difference between needs and wants. Encourage them to think carefully before they spend their money.
  • Set a budget for Christmas presents. Decide how much money you can afford to spend on Christmas presents and stick to it. This will help you to avoid overspending and getting into debt.
  • Talk to your children about your Christmas budget. Explain to your children how much money you have to spend on Christmas presents and that you may not be able to buy them everything they want.
  • Encourage your children to make their own presents. This is a great way to save money and teach your children about the value of hard work.
  • Give experiences instead of material things. Experiences, such as tickets to a concert or sporting event, can often be more meaningful and memorable than material gifts.

By teaching your children about finance and setting a good example, you can help them to develop healthy financial habits that will last a lifetime. This will help to ensure that Christmas is a time for joy and celebration, not financial stress.

Here are some additional tips that may be helpful:

  • Make learning about finance fun. There are many games and activities that can help children to learn about finance in a fun and engaging way.
  • Be patient. It takes time for children to learn about finance. Don't get discouraged if they don't understand everything right away.
  • Be a good role model. Children learn by watching the adults in their lives. Be sure to practice the financial habits that you want them to learn.

By following these tips, you can help to ensure that Christmas is a financially stress-free time for your family.


12 October 2025
Obsessive-Compulsive Disorder, or OCD , is a mental health condition that is often misunderstood. It's more than just being "a little neat" or "a bit of a clean freak." For those who live with it, OCD is a debilitating cycle of unwanted thoughts and repetitive behaviours that can seriously disrupt daily life. Understanding this cycle is the first step toward reclaiming control. What Exactly is OCD? OCD is defined by a pattern that has two main parts: obsessions and compulsions . 1. Obsessions These are unwanted, intrusive, and distressing thoughts, images, or urges that repeatedly enter your mind. They cause intense anxiety, fear, or disgust. Common obsessions include: Contamination fears (e.g., fear of germs, dirt, or illness). Harm obsessions (e.g., fear of accidentally or deliberately hurting yourself or others). A need for symmetry, order, or "just-right" feelings. Unwanted aggressive, sexual, or religious thoughts (sometimes called scrupulosity). It is crucial to remember that these thoughts are ego-dystonic —they go against the person's true values, character, and intentions. They are thoughts, not facts. 2. Compulsions These are repetitive behaviours or mental acts that a person feels driven to perform in response to the obsession. The goal of a compulsion is to temporarily reduce the anxiety caused by the obsession or to prevent a feared event from happening. Common compulsions include: Excessive cleaning and hand-washing. Repeatedly checking locks, appliances, or safety measures. Ordering and arranging objects in a precise way. Mental rituals like counting, repeating phrases, or 'neutralizing' a bad thought. Excessively seeking reassurance from others. The cycle looks like this: Obsession → Anxiety → Compulsion → Temporary Relief → Obsession Returns. The compulsion only reinforces the idea that the obsession was a real threat that needed to be addressed. What Helps with OCD Management? If you are struggling with OCD, help is available. While it can feel overwhelming, evidence-based treatments and self-help strategies can significantly improve your quality of life. The Gold Standard Treatment The most effective, evidence-based treatment for OCD is a form of Cognitive Behavioural Therapy (CBT) called Exposure and Response Prevention (ERP) . Exposure (E): This involves gradually and repeatedly confronting the thoughts, images, objects, or situations that cause your obsessions and anxiety. Response Prevention (RP): This means choosing to resist the urge to perform the compulsion or ritual that usually follows the exposure. For example, a person with contamination fears might be asked to lightly touch a doorknob (exposure) and then be guided by the therapist to not wash their hands for a set amount of time (response prevention). Over time and with practice, the anxiety naturally decreases, and the brain learns that the feared consequence does not occur, thus breaking the cycle. This should always be done with a therapist trained in ERP. In some cases, Selective Serotonin Reuptake Inhibitors (SSRIs) , a type of antidepressant medication, may be prescribed by a doctor to help reduce anxiety and allow the person to engage more effectively in therapy. Often, a combination of ERP and medication is the most effective approach. Practical Self-Help Strategies While professional treatment is essential, there are daily self-help strategies that can support your recovery: 1. Accept the Thoughts, Resist the Response Practice 'Un-Fusing' from Thoughts: Recognise an obsessive thought as simply a thought, not a command or a reflection of reality. You can say to yourself, "That's just my OCD thought about germs," instead of engaging with the thought's content. Embrace Uncertainty: OCD thrives on the need for 100% certainty. You can counter this by intentionally introducing and accepting small amounts of doubt. Use phrases like, "Maybe that's true, maybe it isn't. I'm going to choose to move on anyway." Delay the Compulsion: If resisting a compulsion entirely feels impossible, try delaying it. Say, "I will do this in 5 minutes," and gradually increase the delay time. 2. Build Healthy Habits Mindfulness: Practising mindfulness helps you focus on the present moment without judgement. This can reduce the tendency to get carried away by anxious thoughts about the past or future. Sleep and Nutrition: Ensure you are getting adequate sleep and a balanced diet. Fatigue and low blood sugar can exacerbate stress and anxiety, making OCD symptoms feel worse. Movement: Regular physical activity is a powerful stress reducer and can help regulate mood and anxiety levels. 3. Cultivate Support Connect with Trusted People: OCD is isolating. Talk about your struggles with a trusted friend, family member, or join an OCD support group . Sharing your experience can reduce feelings of shame and isolation. Avoid Excessive Reassurance Seeking: While reassurance provides temporary relief, it is a form of compulsion and strengthens the OCD cycle. Gently ask loved ones to stop giving reassurance and instead offer distraction or emotional support. If you believe you or a loved one may be affected by OCD, the most important step is to speak with a healthcare professional or a specialist who can provide a diagnosis and guide you to a qualified ERP therapist. You don't have to face this alone.
13 October 2024
Understanding Your Diagnosis Receiving an ADHD diagnosis as an adult can be a mix of relief and uncertainty. It might finally explain the challenges you've faced, but it also raises new questions. Here’s how to cope with this significant life event: 1. Educate Yourself Research ADHD: Learn about the symptoms, causes, and treatment options. This knowledge can empower you to manage your condition effectively. Join Support Groups: Connect with others who understand what you're going through. Sharing experiences can be incredibly helpful. 2. Accept and Embrace Your Diagnosis Avoid Self-Blame: ADHD is a neurodevelopmental disorder, not a personal failing. Celebrate Your Strengths: Focus on your unique talents and abilities, which can often be enhanced with the right strategies. 3. Develop Coping Mechanisms Mindfulness and Meditation: These practices can help manage stress and improve focus. Exercise: Regular physical activity can boost mood, energy, and cognitive function. Healthy Lifestyle: Prioritize a balanced diet, sufficient sleep, and stress management techniques. 4. Build a Support Network Lean on Loved Ones: Share your feelings with trusted friends and family. Seek Professional Help: A therapist can provide guidance, coping strategies, and support. 5. Explore Treatment Options Medication: Discuss medication options with your doctor. It can be a valuable tool for managing symptoms. Therapy: Cognitive-behavioral therapy (CBT) can help develop effective coping skills and strategies. Lifestyle Adjustments: Explore accommodations and strategies to help you succeed at work, school, and home. 6. Give Yourself Time Be Patient: Adjusting to a new diagnosis takes time. Be kind to yourself as you learn to navigate your experiences. Celebrate Progress: Acknowledge your achievements, no matter how small. Remember, you're not alone. Many adults with ADHD lead fulfilling lives. With the right support and strategies, you can thrive and overcome challenges. Why not schedule a consultation with JHD Counselling to see how we may be able to steer you in the right direction
11 October 2024
National Coming Out Day is a time for LGBTQ+ individuals to celebrate their identities and live authentically. However, coming out can also be a challenging experience, especially when faced with negative reactions from family and friends. If you're experiencing fallout from coming out, know that you're not alone. Many LGBTQ+ individuals face similar challenges. Here are some tips to help you cope: 1. Prioritise Your Mental Health Seek support: Reach out to friends, family members, or a therapist who is supportive of your identity. Practice self-care: Engage in activities that help you relax and de-stress, such as meditation, exercise, or spending time in nature. Join a support group: Connecting with others who have gone through similar experiences can provide valuable support and understanding. 2. Set Boundaries Communicate your needs: Clearly express your boundaries to those who are struggling to accept your identity. Limit contact: If necessary, limit your contact with individuals who are causing you significant distress. 3. Build a Support Network Connect with the LGBTQ+ community: Join local LGBTQ+ organizations or online communities to find support and a sense of belonging. Reach out to friends and family who are supportive: Spend time with people who accept and love you for who you are. 4. Focus on Your Well-being Remember your worth: Your identity is valid and valuable, regardless of others' opinions. Celebrate your journey: Acknowledge the courage it takes to come out and celebrate your progress. At JHD/CHD, our founder, Carol, is a proud member of the LGBTQ+ community. We understand firsthand the challenges that can arise when coming out. Our team of experienced counselors is dedicated to providing compassionate and supportive care to individuals who are navigating their identities. If you're struggling to cope with fallout from coming out, please don't hesitate to reach out to us. We're here to help you through this potentially difficult time.