Avoid the Christmas Financial Meltdown

Christmas -- the season when people throw out financial restraint and then complain the next 6 months they can't afford anything.  Don't let this happen to you.   You need more than will power.  You need a plan, a budget.  Joe Sangl offers a FREE tool at http://www.josephsangl.com/2012/11/20/how-to-stick-to-your-christmas-budget.