: About Me

The countdown to Christmas 2009 has begun. Retailers have their Christmas garb displayed in prominent places reminding us that it's time to get down to the business of holiday shopping. For many families in today's economy, Christmas shopping can create an overwhelming sense of dread and despair. Incomes are down, jobs are scarce, and budgets are strained. Isles lined with tinsel, ornaments and holiday wrapping hit an emotional cord when money is tight and 'tis the season for gift giving. Most families are more aware of their spending habits today than ever before, and gifts that pack a pu...