Adventure Retreats Canada provide a fantastic opportunity to take a break and enjoy the great outdoors. Nothing beats that end-of-year feeling. You can spend some quality time with the people you love and make up for those days lost to hard work during the year. You’ve slogged away and deserve that bonus – and you’ll probably ﬁnd yourself in a generous state of mind. It’s normal to want to open your wallet and spoil yourself, as well as your friends and family.
But spending without restraint is a sure-ﬁre way to start the new year with ﬁnancial strain. Knowing your spending limit is a critical ﬁrst step. Decide on a ﬁgure you cannot exceed, and do this long before hitting the shops. Write down the number you come up with, then keep track of your expenses by checking your bank or credit card balance every couple of days.