A Penny Saved

It’s almost time for our church’s annual Christmas program. Of course one of my daughter’s is in the program so I am pretty excited. As I am sitting waiting for the program to start, I started thinking about Christmases past. What struck me the most as I took a trip down memory lane is how few of my favorite memories had anything to do with gifts. It was mostly about spending time with family and friends and holiday traditions - like my father baking Christmas bread, or eating cookies by the fire on Christmas Eve, or taking a drive to look at Christmas lights.

So what does this have to do with finances? Don’t overspend money this Christmas. Sure shiny new things are fun for a while. But if you really want to make Christmas special, then overspend - on time, on making memories with your family, friends and loved ones.