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Happy Holidays! Spend less, save more! It will keep you healthy and live longer.

Spending money on the latest has become the biggest trend of the 21st century. Everyone wants the latest and greatest. There is nothing wrong with having the best. There is certainly nothing wrong with having the latest! Do we have to go bankrupt doing it? The modern family spends more on clothing, food, and sundries than it really needs. Because it is? Families in the 20th century worked very hard and saved. Products and goods were not as high as now. Health was cheaper. Going to the movies was not as expensive as it is now. What has changed? Our economy has changed. With new demands come higher taxes and more money to spend. People continue to give birth, even though the cost of raising a child continues to rise.

When the government shut down for the days it did, it didn’t stop some of us from spending. We keep shopping like there’s no tomorrow. Christmas has arrived and we still go to the stores and buy. Should we stop because things are going up? No. But we must balance what to buy and what not to buy. Some people can’t go to a store without picking up something extra. Seeking financial advice and wisdom from those who have our best interest at heart can save us time, money, and many happy moments. This can only happen if we seek their advice and learn from them. Christmas has been around for centuries. We are going to buy what we are going to buy. Buy because you need it. Buy because the person deserves it. There have been parents who have returned their children’s things to the store because they no longer deserved the gift. They didn’t earn it. The boy was upset, but then he got over it. The parents had money to pay a bill. Have we really overrated Christmas and the whole gift-giving thing? Whatever makes you happy, do it! If you have the money, spend it!

Saving is a crucial key for any family. If you want that longevity in your family, marriage, and even your life, then save more. Spend less. Find another source to put your money. Donate to a charity. Give to the poor. Plant in a ministry or organization that benefits you. Give with a grateful heart and a willing spirit. Being thankful!

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