Christmas is coming fast but try to slow down. Before you know it Christmas will be over.

Most of us live our lives in a hurry. We hurry to finish school, hurry through meals, hurry through the work week. We hurry through our lives. The past is in the past and you can't change yesterday. Some of us may like a re-do, but unfortunately we can't. We can only look ahead.

Take the focus off spending lots of money. Consider drawing names if you have a large group that gathers. Why try to buy for everybody? Some of the people you buy for may be strapped for cash. They might be able to buy one...