"I'll be there before Debit Orders go through.
They are not getting a cent from me this month...NEVER....!!"
I think a lot of people go a bit "ape-shaait" in December when it comes to spending. I have learned from previous years ... and did not put myself in any kind of financial deadlock. Those who did not show any signs of "moderation" in December - "Sorry for you" ...and good luck.
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