To all my faithful readers, I wish you a blessed and happy Christmas! Just for this day, try to put aside all the concerns and challenges that you may be facing with your finances, and focus on enjoying the food, fellowship and festivity with your family and friends.

If you’re celebrating with your relatives and close companions, consider yourself fortunate. There are many persons whose loved ones are no longer part of their lives, whether through death or separation, who find this time of year particularly depressing and lonely.

There are news reports of disasters – famine, disease, mass murders and kidnappings – that persons all over the world are experiencing at this time. These should help you to put your own problems into perspective when you consider the immense suffering that’s taking place elsewhere.

So eat, drink and be merry! Spend the day making cherished Christmas memories that will last for a lifetime. However, when the holiday frivolity has subsided, your thoughts may return to reflecting on the less pleasant money issues that have been pervasive throughout the year. Continue reading Conversations at Christmas Time →