quote: "The excellence of a gift lies in its appropriateness rather than in its value."-Charles Dudley Warner

moneytip: Time spent with someone is more valuable than any material object that you can ever give them.

Don't forget the uywradio Saturday Show this weekend. We've got special guest Dom Sgambellone. Tune in here: ping.fm/L9T6C

daily affirmation: I am brilliant when it comes to managing my money. ping.fm/0q7Cy

Going overboard with holidays and special occasions serves no one and can be financially devastating for us the whole year.

moneytip: Value your time and money. What are you paid in an hour? How many hours will it take to pay off this purchase?

quote: "Blessed are those who give without remembering. And blessed are those who take without forgetting."-Bernard Meltzer

When we focus on our wholeness and take care of ourselves first, we are then able to take care of others. thinkaboutit

quote: "Keep high aspirations, moderate expectations, and small needs."-H. Stein

Surf over to ping.fm/YTzXc for great financial tips and tricks