Reducing the discretionary spend – December 2020 results

As it turned out, December was my second-highest month this financial year for discretionary spending. To a certain extent it's to be expected - the festive seasons brings various social engagements, both work-related and personal, so naturally this month's figures are higher. However, social engagements were definitely more limited this year due to the pandemic. … Continue reading Reducing the discretionary spend – December 2020 results