Oh, baby it is about to start getting cold outside! If there’s one thing I’ve learned as a mom, a teacher’s assistant, and a woman with a lot on her plate is that it’s that preparation is everything. Right now the year is almost coming to a close and it is way too often when it feels as if the holidays sneak up on us. I can see and understand how it can bring stress instead of joy. This year, I’ve promised myself to be intentional. I am talking about not just with my money, but with my mindset.

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