Parents are having money issues, how do I keep things calm around the house?

My mum just walked in and announced to my step father and I that the bank had asked for her credit card. They will keep it till she finishes paying the rest of the bill, unfortunately this past year my step father’s been out of the labour business because he couldn’t find a job so we’ve been living on my mother’s income. I on the other hand have a part time job where I get a decent amount of payment every month compared to if I only sat at home and did nothing. Sometimes I help my mum with the bills like insurance and gas.

Now a few minutes ago she just announced to me that she now has no visa card and all her salary’s gone into paying the bill and there’s still a little bit more remaining. I’m very concerned of how we will survive till January and how we will purchase Christmas presents and stuff (having no presents doesn’t bother me though because I’m not much of a fan of Christmas anyway). I have some money right now in my savings account and I’m planning on keeping it sparingly till around Christmas so we can at least be able to buy Christmas foods and such. I’m guessing my mum could get a overdraft at her bank but if not then I will definitely help her out. There goes Christmas shopping for me!

I’m not desperate of anything, it’s just a matter of living in such a difficult world whereby everyone’s revolved around money and when I feel like I have no money, I always end up feeling insecure. What are some great tips you could share with me to make me calm my nerves a bit more down and a great way of saving money if you have any, advice is always greatly appreciated :)