Melanie Dowding, Money Advice Service
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Cash calendar - financial tips for June

With the average bill at Christmas totalling more than £500, an advice service suggests that now is the time to start to budget for the festive season.

The BBC News website asked the independent Money Advice Service to deliver a calendar of month-by-month tips for those trying to keep their personal finances in order.

Melanie Dowding, from the service, says halfway through the year is a good time to draw up a savings plan to pay for Christmas.

Video Journalist: Kevin Peachey

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