One of the issues with a December birthday is the fact that any gifts come in one month. This means that you have spent them all by November. Due to the English LEA Student Loans system paying out on a termly basis for me (pre 2006 entrant) as opposed to the new monthly system which applies in Scotland and to new entrants in England, I also got my Student Loan at the end of September.
Thus November is always a bad month for me financially, and I;m having fun at the moment trying to find things to sell on Ebay / Amazon.
Examples include a textbook which I owned but then was sent for review purposes by a publisher (So as not to break the rules, i am selling my copy, not the one that the publisher sent me.) and some DVD's. Sadly I tend to break the CD cases so none of them for sale...actually i can't think of anyone who'd want to buy my CD collection... Anyway, this is how I'm spending my Saturday evening!