christmas-money-treeHo Ho Ho!  I am always amazed that the stores suddenly go from autumn to Christmas on November 1st.  I walked into Starbucks and it was suddenly red, white and gingerbread where yesterday it was orange, brown and pumpkin lattes.  It seems like the holidays are so far away, but if you can believe it there are only 41 days until Santa Day.  You can track it on your computer if you want at

Many of you are realizing that once again, the big day has arrived and you didn’t plan ahead or save any money.  Don’t panic – over the next few weeks, we will share great tools and resources to help you out.  This week – renegotiating the rules and creating a game plan.  Don’t forget to download the great resource to get you on your way.

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