“Chains of habit are too light to be felt until they are too heavy to be broken.” -Warren Buffett

It's the most wonderful time of the year! Christmas with a budget!

Our family really enjoys celebrating Christmas and the entire holiday season.  There are many reasons, the first of which is our faith.  Next to that we deeply value the downtime with each other and our extended family.

Each year at this time of year I can't help but see the consumerism all around us.  Black Friday sales that starts weeks before this "event" that is focused on endless spending on the new big ticket items for people who probably already have far more than they need.