
It happens every year. I tell myself that I am not going to get sucked into the holiday overspending vortex, but I inevitably do. Even though my family believes firmly in not using credit cards (using only cash for purchases) we can still overspend. Sometimes we even convince ourselves that it is okay to spend more than usual because “it’s the holidays”. I am sure our family is not alone, either. So, with the holidays winding down I have been thinking about our family goals…






















