Am I still in time to make a New Year's resolution? I've discovered one that I really must keep (for next year!)
See, I tend to splurge at Christmas time because I love buying presents for people and if I see something that I think is ideal then I'll likely get it... provided it's not too expensive. I have got budgetary limits!
The problems come in January when everyone goes on sale... and I'm scrimping the pennies. It's a sad time and a shame to waste such a great opportunity to bulk up my wardrobe for less.
So my resolution is to budget for next Christmas... and spend some money on myself in January!! ;)