It is that time of the year where everyone spends like crazy. You need to remember that 2014 is coming and the period from January to March is always a tough one especially if you are a salaried employee with undiversified revenue sources. As you spend, remember you will need to pay rent (for office or home), school fees (for your kids or dependents) and transport (to and fro work), in addition to a plethora of other costs. Many times, your expenses in Dec can easily be contained. One of the rules is not to buy new clothes in December,…