2020 is definitely a year we all want to put behind us. However, in hindsight it has been more difficult for certain people than others. Many have lost their jobs, or even worse, a love one. This year has outlined how many inequalities we have in our society as some fare much better than others.

Your budget might have suffered in 2020 and you are now starting to wonder how you will get through the Holiday Season. So many people have lost their job, had their hours reduced or are worried that it may be coming. We most probably won’t have traditional Holiday celebrations, but we will …