Happy New Year! It’s the time of year where everyone sets their goals for the coming year. I don’t set resolutions as they’re pretty much guaranteed to fail. I don’t want to put pressure on myself to lose weight or stick to a fitness plan. Mr and I have decided to have a “No Spend January” though. Christmas is an expensive time of year and it’s Little Man’s birthday the week before! This means I tend to dip into my savings. That is what they’re there for at the end of the day but I still don’t like going below a certain amount. I like having a buffer just in…