Holiday Hang Over
How goes your holiday hang over? Did you make too merry over the holidays and need to lose some weight? Worse, did you overspend and now have some large credit card bills to pay? Now might be the time to figure out what went right and what might have gone wrong in your Christmas shopping and spending pursuits and maybe devise a plan not to repeat the same behavior this year (and a plan on how to dig out from under any debt issues you may have created from making so merry).
A plan for next year could start with a simple calculation like:
Amount Spent for last Christmas / 11 months = How much you should save for this year?
Simply buy savings bonds or GICs to save the money and you are ready, for next holidays.