In December, everyone’s focus is Christmas. There are so many activities to attend, so many destinations to travel to, and so much delicious food to consume. And there will be so much Christmas giving that takes place.
December is the month specifically devoted to giving. We regularly give in many ways throughout the year, but it all becomes focused during the December holiday season. Schools have students bring in clothing items for distribution to children in low-income families. Pastors preach sermons and urge their congregation to fill local food pantries. The Salvation Army kettles show up outside department stores. And of course, families celebrate the season by gathering around the tree on Christmas morning.
These are all good things designed to meet needs and bless people at a special time of the year.
However, if we are not careful, we can get hooked into Christmas giving for inappropriate reasons. This can have a negative impact on our budget, not to mention our emotional and psychological health. That’s why it’s important to analyze why we are giving in the first place.
Calculating how much you will need to save for retirement
Starting your own business and investing in stocks are both legitimate and effective ways to make money. However, all your hard work at either of these two endeavors may wind up ending poorly if you mismanage the assets you gain. Legal action could come against you, for example, or you could lose the assets you’ve gained in other ways if you’re not careful with your money. 
Aside from the obvious medical issues, the pandemic has shown us this – how an unanticipated event that is entirely out of our control can instantly knock us out. Emergencies are going to happen and we should always be prepared for crazy events in life. But for most that is not the case. They know these things are going to happen, but they don’t prepare for them.
Why was that? Because we found ourselves hit with a January hangover effect. We watched as the majority of the presents our kids received lie dormant in the corner of the room, not being touched. I would say that over 80% of the toys my wife and I purchased for our kids each Christmas were played with a couple of times and then left to collect dust. That was frustrating considering the money we shelled out for them.
There are many things that you need to consider when starting a business. Obviously what that business is going to be is the most important issue. Will you sell a product? Will you provide a service? What is the thing that you can excel at that will provide value to someone who is willing to pay for it?
friend). I don’t know where I would have ended if not for his guidance and counsel.