Mary Holm's tips on how to curb your spending

Is that new item of clothing really going to make you happier in the long run? Do you really need to hold on to your Saturday brunch habit? Mary Holm looks into why we spend unnecessarily and suggests how we can take more control. She also discusses how to tell lenders you don't want to be offered loans, ideas for making Christmas less expensive, and places you can get free support to help cut your spending.