The rise of 'Christmas Clubs'
b'As we are all well aware, the festive season is one of the most expensive times of the year, as families fork out on extra food, decorations and gifts. With the current cost of living crisis, families are feeling the pinch even more so, with many opting into \\u2018Christmas clubs\\u2019, to soften the end-of-year sting. \\n\\nSean Boyle - Managing Director at Christmas2U joined Ciara on the show this morning.'