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As the festive season reaches its peak and the New Year fast approaches, UAE residents are busy planning travel, shopping, and celebrations. However, the joy of the season can quickly lead to months of financial stress if spending on credit cards and loans spirally out of control.

On today's Morning Drive, presenter Tim Elliott is joined by Financial Expert Michele Carby to discuss practical, UAE-specific advice for managing holiday costs. From the 'tap-and-go' culture of digital payments to the dangers of the '45-day month' caused by early December salaries, Carby shares essential strategies for maintaining financial discipline and awareness.

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