Well friends, the holidays are here again, it’s a time when most of us are tempted to increase our credit card balances, ignore our bills and neglect our December commitment.

Just a word of advice, January is a tough month; so while you are out on your shopping spree adventure please be mindful of the tough times ahead. Remember, the bills are coming, the bills are coming and and the collection calls. The truth is, most of us will not get a big tax refund this year because you have changed your W4 at the third and fourth quarter. Woo-woo. I feel like singing; can I sing “Oh chrismas tree… hahahaaa!”

Have a safe and happy holiday season from all of us at Wezpa Consulting.