| Every year at Christmas, I promise myself to not spend money on presents like I did the year before. I have the best intentions and I put a limit on the amount I will spend on each person. And just as sure as I make the promise, every year my intentions go out the window. This year I have finally decided why this happens. I wait too long to shop. By the time I make it to the mall, I have only a few weeks to shop, wrap, and deliver. So I am always in a panic and I get to the point that I don’t care what it costs, I will buy anything if I can just mark Dad off my list. In fact, I think I have this problem with birthdays too. Okay, I am serious this time; I will not make this mistake next year. I promise to plan ahead. I promise to not overspend. I promise to relax and focus on what the holidays are all about – overeating and family! | 
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