It’s that time of year, the smell of fresh pine, the crisp air, the sparkling lights, and of course the crunch of the number counter on my banking app as money goes flying out of the account! It doesn’t help that the holiday gods have cursed my with anniversaries, birthdays and 12 billion other events in the month of December. But who needs money when you have holiday cheer! It’s time to get out and take it all in, the holidays, the liveliness, everything that makes this time of year special. It’s great to respect the short seasonal time we have with family and friends and take stock in the blessings bestowed on us. From my family to yours, Merry Christmas!