It’s that time of the year when there just never seems to be enough money!!! If it’s not Christmas gifts it’s school fees and books for next year!! In my house we have 3 birthdays in December too. Then to add to that there is all the socialising costs to go with it!  It can be an expensive time that is for sure! In January I am going to start to talk to you all about how to get everything back under control and  if you have a house how you can get smart about consolidating your debts and saving interest. I will also give everyone an opportunity to find out how you can save up to $10,000 per year but reviewing  just 7 things in your life. Happy Spending!