![Don't take the jolly out of your holiday season by overcommitting on your Christmas spending.](/web/20161223090736im_/http://www.smh.com.au/content/dam/images/g/t/b/j/z/0/image.related.landscape.460x307.gtclph.png/1482245865985.jpg)
Warning about new 'buy now, pay later' system in festive frenzy
There are four frantic days until Christmas and it's possible you're panicking.
Financial editor, commentator and author, as well as a qualified financial adviser and stockbroker.
There are four frantic days until Christmas and it's possible you're panicking.
Nicole Pedersen-McKinnon explains how reverse mortgages and the government's Pension Loans Scheme work.
The shopping centre crowds are thronging, your present ideas are thinning – you're hungry too – and you start panic purchasing.
Nicole Pedersen-McKinnon answers questions about the Acorns micro-investment app and direct debits for a charity.
Nicole helps… position a reader for a pay rise.
Think ahead for Christmas and limit how much you spend.
How consumer finance companies cash in with parallel deals.
Nicole Pedersen-McKinnon reveals the best bank accounts for kids.
​Money Columnist Nicole Pedersen-McKinnon confides the way she worked the system, leveraged lucky breaks and, yes, economised to get debt-free in seven years.
A reader asks: How can I stop my wife spending all our money?
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