The holiday season is fast approaching. It’s a wonderful time of year but can be very expensive, with gifts to purchase and social gatherings to attend. So it’s a good idea to take some time out before the end of year festivities begin, to review your financial goals and your budget. In this edition, we take a look at how you can fight the ‘urge to splurge’ by putting some good spending and saving habits in place, so your finances are in good shape for the year ahead.