This time of year, so many things are vying for our attention                        (and our finances). We must all be careful to consider
what is really important while still paying attention to making Christmas a special time for our children. How do we do that, since we all want to give good gifts to our children? Stay true to the real spirit of the holidays by sticking to these easy-to-follow tips:

:: Wish Lists – We always ask our children,
“What do you want for Christmas?” This year...

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