So we have officially hit the preparation period for the festive season, and it’s only a matter of time before we start hearing the carols from every corner. Of course no one wants to be left behind, and so everyone is running from every corner trying to get some extra dollars. Savings have never done any better, and people have never worked harder.

I’m going to assume that since you are reading this article, you also have some big plans. Maybe you want to surprise your family, take your girlfriend on an exotic trip, buy your boyfriend that gift he has always wanted, replace that coffee maker for your mother, buy your father a watch or just give yourself an insane treat this Christmas.…