[dropcap size=big]1[/dropcap]Start planning your Christmas shopping.  The operative word here is to “plan”.  If you turn up at the shops without a list or a set budget in mind, you will undoubtedly overspend. Firstly think of the budget for your gifts per person and then come up with gift ideas and research online before leaving the house so you know where you can get the best deal.
 
[dropcap size=big]2[/dropcap]Clean out your bank statements and financial documents that are older than 7 years but ensure you dispose of them properly so they can’t be read.  Shredding them is best.  When it comes to identity theft, thieves looking at paperwork in your garbage are a bigger threat than internet hackers.
 
[dropcap size=big]3[/dropcap]Chain the oil in your car.  You’ll improve your car’s petrol consumption and engine lifespan if you use good quality, clean oil.  Looking after your car is important because they can be the biggest drain on your finances.
 
[dropcap size=big]4[/dropcap]Check out your credit card balance and make sure you’re on track to repaying as much as you can to avoid monthly interest.  Remember interest is the arch enemy of debt reduction.
 
[dropcap size=big]5[/dropcap]Do something nice for your spouse.  Studies show that married people earn higher incomes, have twice the assets at retirement, and live on 25% less than what comparable single people would need to live the same lifestyle.  Statistically speaking, staying married is good for your finances.

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