Between our recent vacation, new snow tires, dental surgery and some holiday gifts the big bill has arrived early this year. I always assume that it will come after the holidays and although that one might be big too, this feels a bit of a shock.   In one way, it’s a good thing because […]

Not an easy task! There are so many sparkly and shiny things in the stores. I could suggest that you avoid stores and shopping altogether and advise you to make all your gifts however, unless you’re very crafty, it’s not a realistic suggestion.   Here are some ideas: Write down your holiday giving budget number […]