It's time to put yourself on a budget. Christmas is coming and temptation will meet you at every turn. By having a clear idea what you will spend, you'll avoid financial jeopardy. Have you been interviewing for a job? The salary you will be offered is less than you deserve. Be ready to negotiate a bigger salary. It's important to be well compensated for your work. If this employer isn't willing or able to do so, hold out for a better job.