It is hard to believe that in one month it will be Thanksgiving. It seems sometimes that it was just last Christmas to me. I don’t to be in debt again over Christmas. It has become too commercialized. I remember as a child making a lot of my presents for the family. My oldest daughter still makes adorable embroidery ornaments. I love looking at them hanging on my tree each year.

I know I need to start making my Christmas list soon and get started buying Christmas gifts. I just don’t want to charge much more on my charge card. With the economy like it is, I am not sure what the credit card companies are going to be charging on their interest rates.