Can you believe it?!  It’s practically here.  Most of us planned to make this be the first year that we finished our shopping early and refuse to go into debt over the holiday madness.  The question is how many were able to stick to the commitment that we made to ourselves months ago?  If you started shopping early, then congratulations to you because you probably saved money on the gifts that you bought weeks ago.  And if you shopped only with cash and no credit, then you are a rock star!  Because you can wrap up the holiday without having it follow you into the new year with high interest rates and lower credit scores.  If you cannot take credit for either of these accomplishments then know that you are not alone, and we have work to do.

Let’s commit to do better.  We will take one Bite Sized Piece at a time to financial freedom.  Come and go with me.

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