Hi Reader, I hope you had a wonderful Christmas and enjoyed time with your loved ones. December has a way of bringing up all the feelings - joy, generosity, exhaustion… and sometimes a little financial regret too. Between Christmas shopping, school holidays, end of year celebrations and “just this once” spending, it’s easy to look at your bank account and wonder how things crept up so fast. If that’s you, please know this: you’re not behind, you haven’t failed and you’re definitely not alone....