We are all much more conservative, due to the economy and utility costs skyrocketing; which is a good thing because spending was getting out of hand anyway. True, it is the time of the year for giving, but not at the cost of strapping ourselves for the other 11 months of the year.
We’ll have countless chores within the next two months over-working our brains and nerves. First, there is Thanksgiving with the traditional feast and get together, and then the day after-SHOPPING! We haven’t even finished the Fall Cleaning and now we are on our way to Christmas decorating. Time becomes a major issue for all of us! Read more