Mocha Angels 365. Day 332.

It’s Black Friday in the United States. “Black Friday” refers to retail stores slashing their prices for the start of the holiday shopping season, which ends on Christmas Day. Stores hope they end the season “in the black,” meaning they have made a profit, rather than “in the red” which means they have lost money.

My picture is red on purpose. Too many consumers end their holiday season in debt aka “in the red.” When those credit card bills arrive in January, it stings. Debt is the worst.

Don’t do that anymore. Talk to your family and make new traditions. Do a secret Santa. One gift per person. I’m getting my kids one gift each. However, I know their gifts will mean something to them because I’m listening for what they really want for Christmas.

Let me know how you are handling holiday gifts and spending this year.