So that's it. All the shouting, wrapping, frantic shopping, penny counting , eating to excess, drinking to excess....not me of course.....is over for another year. Do we feel better for it or not. For many, probably the great majority the answer is no. Celebrating the Birth of a Saviour has left a nasty taste in their mouths and a hole in their wallets and a fear to open the credit card bills. I am surprised how many folks dont have a budget. Dont have an idea on what they earn or how they spend it. One person that I talked to on a low income said they didnt want to budget as they would have to stop spending on things that they liked and when they sat with a friend to help budget his some of their debts so the actual budget was useless. Now is the time to take stock, get some help look for the nearest CAP course , they are free or talk with Ciutizens Advice, but dont spend money on a 'proffesional' they are just after a wage. But DO get some help and start today. Maybe next Christmas you might actualy get a glimpse of light. THE light .