Good afternoon .
As we all know Christmas
is a time of celebration &
giving for loads of people
though it can be costly .
Do you folks budget & be
wise with spending .
Think its great seeing the
kids happy and nice gifts
given to loved ones .
I still have a drawer full of
underwear and socks that
are unopened and wonder
if we overspend at times
when we need money for
our everyday living .
