As I sit at my computer tying up loose ends of the programs for 2010 and listening to my favorite Christmas CD’s, I am reminded at how special this time of year is. The months click by so quickly; I can hardly believe that 2011 is just a couple weeks away. A couple of short articles in the newsletter I subscribe to that is written in both English and Spanish caught my eye.I hope that the article about holiday spending is not too late to help you.