So 2013 is ending, and you have spent so much this year. Birthdays, holidays, bills- ugh. And you always feel like you are spending money at the worst times. Though let me, let you in on a little secret- end of the year is the best savings. Everyone is getting into the mindset of “Out with the old, and in with the New”. And you should as well. Hey spending money isn’t so bad when you are saving money!