December is one of the months where most of us folks tend to spend a lot and I am no exception. Maybe it is due to the holiday season where everyone is a in festive mood. Not to forget the temptation of all the year end sales with irresistible bargains. And it is difficult not to get tempted when you have been scrimping and saving up the whole year. This seems like the perfect opportunity to pamper yourself a little, only to realise that you can’t stop the moment you begun.