This time of year is the pits.
It seems every year, I make a promise to myself that next year will be different. Yet, its a repeat of the previous year. I don't get it. I really need some good financial help right now, counseling that is. Something to help me to save my money. I am tired of Christmas always being a sham. I want to give so much but yet am very limited on resources right now. This blows.