It's that time of year when many a person over spends, with credit cards easy to get it makes it easy to spend. But what people forget is they end up paying for Christmas in the next coming year with the added interest on top.
This year I've decided to cut back on spending (especially money I haven't got!), it gets too silly, "just get one more present..." . Yes, I have done it and wore the t-shirt!
The thing is, how many presents have been bought for you that you actually can say "fantastic, just what I wanted" I bet not many.
I feel like I'm being grumpy, but I've lost the thrill of going out into the rush of Christmas shopping. This year I'm going to try to do all mine on the internet including my food shopping.
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