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Merry Christmas and Happy New Year! It is hard to believe that this year is coming to a close. The days always seem to go so fast…especially in December. I hope that you are finding ways to make this holiday season more meaningful as you focus on loved ones rather than the sales at the stores. Now don’t get me wrong, there is nothing wrong with shopping and buying gifts for friends, family (and yourself), just don’t create a new problem (ie: extra debt) for yourself in the process. This year, try to find ways to spend time with those you care about by doing things that may not cost any money at all! That can be a challenge for some, but here are a few ideas: |