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Happy Holidays! As we are in the holiday spirit and are no doubt spending money on gifts and parties, let’s start a new year concentrating on how to face the bills that are associated with a fun and gift-filled holiday season. It seems like a good time to start thinking about the benefits of saving instead of spending. I can tell you from personal experience that the simple financial lessons that our parents taught us are indeed the best way to get a good start on having a healthy financial life.