You didn't put an option for pay all bills and save the rest
I'd put some away into a Christmas fund, and then see how much money you have left after paying bills + Christmas fund and then either go on hol, or treat yourselves some other way!
But then I'm a finance geek who's obsessed with budgetting (I have a spreadsheet ) and I have a tendency of saving instead of spending (no fun)... LOL
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