Christmas - A Time for Excessive spending - if you're not careful

It's almost upon us again, the one time in the year a lot of people throw all their good work to the wind and blow any savings they've made, and more, during the year buying lots of things, some that are totally unnecessary at any time of year.

Don't get me wrong, I love Christmas, its a great time of year, but what I hate, is the run up to Christmas, the over commercialisation of what should be a joyous time, not a time for over indulgence that will cost lots of money well into the new year.

So for the next few weeks I will be exploring all ways I can have a very, very merry Christmas for the least possible amount of money.

I hope you will find some ways to save your hard earned cash too.