Merry Christmas-Christmas is the BEST time of the year and yet it can be the WORST financially. Before you rush to the shops to finalize your Christmas shopping check this video it will minimize the negative impact on your bank account.
Grab a Cuppa and Chill with me as I share my story-Know your worth, it does not matter how desperate the financial situation is, always remember the mind is not destitute.
Who decides the spending in your household? Is it the parents who earn the money or the kids being driven by massive advertising as well as fitting in with their peers?