Most of us get to a point where our finances get on top of us and we really can’t afford certain things anymore. This isn’t always because we are bad budgeters or indulge in things we shouldn’t. Life simply gets on top of us. And then the end of the year arrives, with Thanksgiving and Christmas, and presents need to be purchased. At this point, things can really get too much. However, does this mean the kids won’t have a nice Christmas this year? Not necessarily, as there are options available Read more [...]