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Christmas and Chanukah and Kwanzaa are coming! That means that if you are a prudent shopper, you have been doing your holiday shopping for many months now. I am sure that all are doing a fine job of controlling their spending while they shop for holiday gifts but I wonder whether we are all spending prudently, regardless of how thrifty we might be.
When I was a child, Christmas was always the most wonderful time of the year. To this day, Christmas Eve remains my favorite 24 hours