It is the time of year to be bombarded with banners like the one above. Turn any city block ask any retailer and it’s the season to spend, spend, and spend more. Of course, extravagant spending always has consequences, but many are overlooked in the name of “I gotta have it”, or “Keeping up with … More Devotional “Xmas” and “eXpenses” – 12/24/2024