This is a contributed post.
Drinking too much on New Year’s Eve isn’t the only thing that leaves us waking up with a hangover on January 1st: there can also be a giant money hangover to deal with.
It’s easy to get carried away over Christmas and spend more than we can afford.
We want to make the holidays special for our families, so we go out and buy them everything they want, we fill the house with food and drink, we spend a fortune on Christmas decorations, and we do everything we can to make the holiday period perfect.
We also spend more than usual on nights out …