With the end of the year just two months away, the holiday season is fast approaching — bringing joy, connection, and often, financial pressure. Australians are expected to spend nearly $800 each on gifts, travel, and celebrations this Christmas. Yet ASIC’s Moneysmart research shows that while most people set a budget, nearly half regret their spending afterwards. At Prosper Financial Planning, we believe generosity should never come at the cost of financial stress.