I looked at my calendar for November/December and instantly felt overwhelmed! When I opened my budget spreadsheet and saw the projected costs of birthdays, anniversaries as well as Christmas, I was done! I could feel the dread settle in the pit of my tummy and could foresee all the eye-rolling at my boring rants about consumerism… Continue reading 4 Ways to a Happy ‘Merry Christmas’ (with a detour through Advent).