Around the winter months, we can all feel the pinch as we take the time to buy all the presents and necessities we need for over the Christmas period. However, one consideration that’s really important is the ways that you can get the short-term credit you require to tide you over the holiday season. Whereas some initiatives, such as overdrafts, can be extremely expensive and impractical to use, the impracticalities of some Christmas saving schemes (and the lack of protection if they collapse) might leave you limited.