The Guilt of Christmas Present

The Christmas season is trying to be festive and thoughts of the upcoming holidays are filling our heads, or at least our eyes and ears. But it is especially difficult with escalating financial responsibilities, disappearing work hours and eliminated jobs. How can we make it all balance? Each year the Christmas time of year is … Read more

Bankruptcy Rates To Significantly Increase Next Spring From Ho-Ho-Ho Hangover

I just did an interview with the Christian Science Monitor and we were talking about holiday shopping. The question was if I thought people were going to significantly cut back on holiday shopping to live within their budgets. Sadly, I don’t think they will. Gift giving and shopping at this time of year are ingrained … Read more