A trinket here, a lunch there, a nice little gift that is simply a must have for that friend that already has everything, and oh, look who is having a sale coming weekend, let's check out if we can spend our money there! As always, spending our money is way easier than earning it, and the holiday season is notorious in that respect. Now that we are coming out the other end of the festivities it is time to take stock and adjust our expenses accordingly.
Don't just read the future; help create it!
Hella Raven
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