It’s hard not to spend a little too much at Christmas, and most people spend January dreading the arrival of their bank statement and eagerly anticipating payday. It’s the time of year that many decide to overhaul their finances, in order to avoid a similar situation the next year. Making savings and reducing your expenditure doesn’t need to mean missing out on some of the finer things in life however, and you can still enjoy life to the full without breaking the bank. Here are a few treats, and how to make them affordable.