I love Christmas time. As a child my dad (who was our pastor) and mom would invite our entire church congregation to our home for a Christmas Open House. But I realize Christmas isn't fabulous for everyone. For some it's a financial burden. To others it is a time of loneliness. And others it is filled with difficult memories of missing a loved one or even unpleasant memories growing up. I empathize with you - I do...
The end of the year is a great time for some self-reflection... to see what worked, and make some change for the year ahead. Of those who set financial goals for the year ahead, only 80% actually end up keeping them for even the first six weeks of the year. When it comes to our finances there are many tools we can use from an annual bank statement, or credit card statement, to even meeting with a professional tax consultant...