With the Holidays and a New Year quickly approaching, I’m preparing to budget our finances a bit differently. This has nothing to do with buying gifts. The Holidays are about celebrating the year with the ones you love, and to me, gifts are just not important.  This shift is about being more on a financial plan. I’m excited to kick off 2018 (and the remainder of 2017) with a clear direction!   Over the last six months, we’ve been throwing everything we have towards Steve’s student .