Dont miss it as it flies by

When Halloween night finally arrived it makes you realize how fast the year has flown by. The countdown to Christmas begins. Soon followed by the celebration to ring in the New Year. For the young the faster time flies the faster the next Christmas gets here. But when you are older you wish time would slow down so you will have time to enjoy each moment you have. As you begin to shop for Christmas gifts I want to remind you that it is not necessary to buy gifts you can't afford. Christmas is a time of joy but there is no joy if you have to stress out over having to make payments on gifts you couldn't afford. To have a holly jolly Christmas all you have to do is relax and enjoy the time you get to spend with those you love.