Tis the season of giving, which often means it is also the season of spending.   The season of spending where retail companies win and personal bank accounts lose. The holidays are fueled with emotions, and when high emotions and money meet, people tend to overspend without having a real plan in place.   Since we’re  just a few short weeks from the Christmas holiday. It’s a little late for this advice, but not too late to implement it for next... [read more]