For mother-of-three Jade, Christmas used to be a “nightmare” time when she would constantly worry about how she would afford to make it special for her children.
Drowning in debt, she was increasingly forced to choose between paying off a bill or feeding her children, with the pressure only growing over the festive season.
“Christmas was a nightmare because you need money for Christmas,” the 26-year-old said.
“You have this picture in your mind of what Christmas should be like, and you want to please everybody and everyone to be having something and be…