Hello Everyone!!!! It's the last month in 2016, and I am soooo excited!!!!! 2015 has been a year of discoveries, and exploring new frontiers for me. I hope it's been the same for you? You know, I sat down yesterday, and I was thinking............ this happens to a lot of us in December right? We start thinking about the year which is coming to an end......... We start ticking our lists (for those of us who make lists/resolutions), to find out if we achieved what we set out to achieve. December is the month in which reality stares most of us in the face. It's also a 'turn-up' month, so we tend to spend a lot during this period. From giving out hampers and other Christmas gifts to attending parties, and lots of shows, we tend to spend more than expected in December. The funny thing about this month is this: It tends to go by in a rush, and sooner than expected January comes staring us in the face, with lots of bills to pay; from school fees, to ho