CHRISTOPHER G. CERVANTIES
The Halloween costumes and decorations are now safely kept at the stock room and Christmas decors are in full gear. As we enter the month of December, we may already be starting to feel the pain of Christmas spending. For some, no amount of 13th-month pay or year-end bonus will be enough to buy all the items being displayed in the mall. Calendars are almost full of events with friends and extended family members. Overindulging comes every Christmas. However, substantial food and drinks are often matched with overspending, making the first part of every year as damage repair months for our budgets we wasted for the last couple of months.