When I think of Christmas, I often think of something that happened during my school-teaching days. The school I taught in was very old. It had fourteen-foot ceilings and huge windows. The kids who attended this ghetto school were tough, and they were extremely poor. Maybe that’s how they got to be so tough. Determined to make it special Christmas...

No matter how many resolutions we make, the holidays always seem to cause us to throw budgetary caution to the wind. If you’re hoping for the gift of more time with your family during the holidays -- take heart. Consulting this list, and checking it twice is sure to help you be wary of your budget, keep your holiday stress to a minimum and...

Many families have told me about their "Christmas Simplification Plan"  - limiting their gifts to three per person. We told the Kay family babes years ago that if three gifts was good enough for baby Jesus, then three gifts is good enough for them. This tradition has kept the focus of the season where it belongs and it's kept us out of debt too. Listen...