while roy and joan have lived here for over three decades, francine, a critical care nurse at kingsmill hospital moved in three months ago, after buying a house here. she is budgeting £25 per person to buy gifts for seven people in her family. it s just trying to figure out what i can afford, really. because ijust moved into the house, i ve got lots to do as well. so i ve got that, on top of my budgeting concerns. it is just really taking a hard look at what i can afford to give. you have just bought this house. yes. how are you feeling about being able to afford everything? i mean, the house is livable. it sjust, you know, the cosmetics stuff. i can live with it being covered in plaster, it is clean, warm, it locks at night, so it lljust be long process. next door is shannon, who lives with her partner tom, who works full time, and their two children. they have decided to not buy presents for each other this year. all of our money will go