When you have to watch your budget over the holidays, you may start to feel like Scrooge himself. Always being the watch dog over finances can do that to a person. You can begin to feel like the bad guy. Just remember that Bob Cratchit was on a budget, too, and he represented the very spirit of Christmas…a loving family who honored the Savior’s birth. Take the Focus Off of “No” It is easy to get into the habit of focusing on the “nos” all of the time. “No, you can’t have an iPod even though your friends all have … Continue reading →