December - unsurprisingly now is not the time for saving money as much as you may try to. You keep beavering away and money will come in but you will find that by not getting over excited about this and using the money wisely you can make your bank balance grow a little more, even at this time of year. Keep your eyes open for an opportunity this month, just go with it but be sensible, you won’t be risking much and it could just lead you to better things.