The anticipation for January salaries is probably driving most people insane. Family outings, social gatherings and shopping over the festive season have left people spent. What now? It’s time to reflect on what you could have done better (or limited) to make sure you don’t repeat the same cycle this December. If you don’t, you’ll be in the exact same position this time next year. Putting a savings plan together for the festive season can be off-putting; some even view it as   a sign of lack; it’s not. It’s a sign of financial maturity and taking responsibility for your spending. Decide now how much you are going to spend…