I am not quite sure where the year went but here we are again, less than a month away from Christmas. While Christmas is a wonderful time to relax, celebrate and spend time with the family it can also bring with it a whole lot of financial stress and uncertainty.
There is a little saying, “Nothing worth doing is ever easy”, which is especially true of budgeting. After all if budgeting was easy everyone would be doing it. There would be no lifestyle debt and we would all have plenty of savings. But the reality is budgeting like losing weight can at times be hard work especially when working towards big long term goals like getting out of debt or saving to buy a home.