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On September 16 it is 100 days until Christmas, which means just four pay days left!

But we don’t want you to panic! Hundreds of churches are all ready to run free CAP Money Courses to help people save for a stress-free festive spend.

The CAP Money Course is for anyone who'd like to get more in control of their finances, so they can budget, save and prevent debt. Why not book yourself onto a CAP Money Course, or recommend it to your friends? Click here to find a course near you.

You can also help us spread the word through social media with #100daystillChristmas as a reminder for people to plan now and avoid credit later.