12 Months of Christmas Debt (The Song)

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On the first day of Christmas my habits gave to me: One Empty Wallet On the second day of Christmas my habits gave to me: Two-hundred Sales And one empty wallet. On the third day of Christmas my habits gave to me: Three Reasons to Shop Two-hundred Sales And One Empty Wallet. On the fourth day of Christmas my habits gave to me: Four Credit Offers Three Reasons to Shop Two-hundred Sales and One Empty Wallet. On the fifth day of Christmas my habits gave to me: Five New Credit Cards Four Credit Offers Three Reasons to Shop Two-hundred Sales […] Read more »

Under Pressure: Teaching Our Children a Lesson in Wants vs. Needs

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“Mom, can I have a DS? Please! Everyone else has one.” I have heard this off and on for a couple years. My son really wants a Nintendo DS Handheld game system. He has asked for one for every holiday and birthday for years. I have been reluctant to purchase one for a few reasons. First, he doesn’t need it. He does have an older model Gameboy that was given to us for free. Second, I would rather he spend his time reading, playing outside, interacting with his family and using his imagination. Also, I just don’t have the money. However, […] Read more »