With the run-up to Christmas well and truly on (even if many of us are in denial), it can get us planning, budgeting, and thinking about all that we have to do to really improve our finances. After all, there are only a couple of paydays until Christmas (if you don’t get one just a few days before). Unfortunately, though, it isn’t like there is a magic wand to wave and all of our finances will be sorted out. There are plenty of things that we can be doing to cut our necessary spend, but really the focus needs to be cutting down or eliminating the unnecessary spend.