I think am a victim of spending a lot on food, I also fall victim of rewarding myself with food and end up eating the money I should save but this year I am working on such habit.
Heating if you don't want to get freezed
I will surely visit Europe to see and feel what this winter is all about because here in Nigeria we even spend so much in buy diesel and fuel so as to have Air conditions on because of how hot the weather is and we rejoice so much in rainy season.