Simple ways to give yourself the gift of a debt-free Christmas
Are you still eating turkey sandwiches at your house? We hope you enjoyed a particularly satisfying Thanksgiving with friends and family. There is a bit of irony, isn’t there, that in America in our rush to buy gifts for Christmas, taking time to be grateful gets short shrift! Christmas and the rest of the holiday season is a wonderful time and we don’t want to sound like Scrooge. However, after years of helping people with budgets and difficult financial situations, over an