sarah coles, personal finance analyst at hargreaves 2. nice to see you.anaging our money. yes, we can see the effect of christmas in these figures. overall we are spending more of our savings, we have overdrawn more than we had previously and we are borrowing more on credit cards, this borrowing, you can see it in the figures. but we are also seeing less of an effect than you would normally expect. for example, than you would normally expect. for exa m ple, overd rafts, than you would normally expect. for example, overdrafts, while they have gone up at christmas, they are part ofa gone up at christmas, they are part of a long—term decline. we know that people are getting on top of their ove rd rafts. people are getting on top of their overd rafts. pa rt of people are getting on top of their overd rafts. part of that people are getting on top of their overdrafts. part of that is the fact that changes are coming in april making it much more expensive to have an arranged overdraft, so i think a lot of people are taking the time to make plans to make sure the