Christmas Or Birthday Presents.

Donations to Charity Surprisingly, it is the people who have the least money who give the most to charity.

Payments to Relatives Even when you retire, there may still be older or younger relatives for whom you take some financial responsibility.

Pocket Money It is important that you do have some allowance for the things you don't want to tell anyone about.

Cutting it Down

When you have done your 'before' and 'after' expenses list, go through it deciding what is really necessary and what is not.

Remember that hobbies and care of yourself are not luxuries. Doing without everything except food, drink and warmth is not a sensible way to economize unless you are absolutely forced to do so. If you live alone, it is especially important to provide for the cost of activities which help you meet people. And if you have a partner, there must be even more fairness and openness between you when your income is lower.

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