Your in-laws have all gone home. The wrapping paper and bows have all been picked up and thrown away. Your wife has even started taking down the ornaments and carefully packing away the red and green decorations.
Have you chosen your New Year's resolution? With only a few days left in December, you don't have much time. Past resolutions probably focused on improving your health, be it exercising for your physique, eating better for your heart or meditation for your mind.
"Debt" can be an ominous word with a bad connotation. When you hear statistics like, "the average person took on 2 percent additional debt since the previous year," you probably see it as a bad sign. Is it? Can taking on debt be a good thing?