Sadly there are downsides to the festive season

• There is a possibility but an almost zero probability that people will spend within their means in the period leading into Christmas.

• It is possible and 100% probable that people will gift cats and dogs to others this Christmas.

• There is a possibility, and unfortunately, a strong probability, that disunity and acrimony will prevail in some households when the post-Christmas reality of penury and debt sink in.

Text of letter published in the NT News post Chriostmas.