Oh oh, it is so easy to spend your money this time of the year! So many presents to buy, so many strings of fairy-lights to adorn the house and garden, so much great food we want to prepare for our loved ones... But if we aren't careful we are at the end of our money before we are at the end of the month. So let's be smart and at least keep some money in our purses to pay for groceries and other necessities!
Don't just read the future; help create it