For those of us in an IVA it can appear a frugal time of the year, but, I feel, the release from the trap of the credit card and being unaffordably extravagent is a gift in itself. We learn to give more of ourselves: Time, company, a hand made gift or card are all more valuable than the latest nerf gun (less painful too!) or the in vogue smelly stuff.
Enjoy those around you and relax --- your doormat will not be covered in credit card statements this January !
I wish each and every one of you a great Christmas and a wonderful 2018, heading towards your goals.
MERRY CHRISTMAS !!
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