My mom reminded me yesterday that Christmas is next week. Wow! I had to look it up (not that I didn't trust her) but yeah, it's late next week already.

Ok, go ahead and panic now. :-)

I saw some cool ideas to give more to charity and either cut back or make gifts for people. That's not a bad idea. Charities need help and with Obama coming into power soon, it would be good to make more donations now and get a tax refund and then save it - you'll need it.

Be careful about gift cards. Don't get one from a business that might not be in business. Those Visa gift cards from banks actually sound like a better idea this year.

Merry Christmas!!

-Tony

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