December is a month of 11 multicultural celebrations.
Among them are St. Lucia Day, Hanukkah, Boxing Day and Christmas.

These are the holidays we cherish.
The lights.  The music.  The food.  The gifts.

While there is joy in spending extra money around the holidays,
There is no joy in bills that haunt you until Easter.

Rethink the amount spent per person.
Draw names.  Buy only for the kids.  
Or gift with baked goods or crafts.

Give yourself the freedom to enjoy the holidays.
Just do it responsibly.

Yours in achieving your personal best . . .

                                                                   Tom