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Holiday Break... or breaking point?

Ugh, sometimes I swear the holidays are the worst. I mean, don't get me wrong. I love giving to my family & surprising the kids when all of the gifts "miraculously" appear under the Christmas tree on Xmas day... B…
Rewarding Bank Screw-Ups

It's Dec 18 and I have yet to begin doing my Xmas shopping, can you believe it? I cashed in on our bank points for Toys R Us gift cards cuz it gave more bang for your buck than getting the cash equivalent. So yeah, tha…