Slim down your spending without the crash diet

If you want to change your financial habits, first you have to understand them, say the experts

It might seem ridiculously early to use the ‘C’ word, but retailers are already stocking the shelves with festive products, despite Christmas being three months away. And November’s Black Friday, one of the busiest shopping days of the year in the US, will see the pre-Christmas frenzy heighten even further.

Since the 1990s, an annual international Buy Nothing Day, also usually held in November, has taken a stand against consumerism in a bid ...