Do you find that your wallet becomes lighter and lighter during the holiday season? If so, you are one of millions of people who find themselves spending tons of cash (or going into a lot of debt) for gifts during the holidays. Stores try to encourage you to shell out that dinero at every turn, banking on…

1. I live within my means
2. I will maximize my income potential through education and training
3. I will effectively manage my budget, credit, debt, and tax obligations…