Plastic Vacation

If there is one thing that drives me nuts this time of year it has to be people that go on vacation knowing that they are going to be paying with credit cards.  Yikes!  Do you want that vacation to chase you long after the tan lines have disappeared?  If that is the only way you can afford to go -- don't! 

Get in the habit of denying yourself a few things today so that tomorrow you will have the choice to do whatever you want.  I love Dave Ramsey's saying, "Live like no one else so that tomorrow, you can live like no one else."