#ad | If I have learnt anything from last year it is to plan ahead. Making provisions for the things we look forward to are now more important than ever. Take Christmas for example, because of the strange situation we found ourselves in & it been an incredibly difficult year, we wanted to make Christmas as special as possible. We ‘dropped the ball’ a bit and were a little more frivolous with our money. Looking back, our spend included a little extra on food, presents and Christmassy activities. Oh & let’s not forget Christmas outfits, the tree and decorations.