It’s the most wonderful time of the year – again!  A time to slow down and unwind a little bit, and enjoy your family and friends as we celebrate the birth of Jesus.  A big part of this amazing time is gift giving.  Stores are filled with people who are searching for the perfect gift for those on their “nice” list. You may be too young to work, or maybe your allowance simply isn’t enough, or maybe you need to spend your money on other things right now so you can’t really shower your friends ... Continue Reading...