Seriously... this year might look a little different than others. If you're in the middle of Baby Step 2, working hard to pay off debt, or you're weathering an unexpected financial storm, don't be so tough on yourself. Your family and friends will survive if you don't buy them an expensive gift this year. You're sacrificing now so you won't have to sacrifice later. Keep your head up. You got this! #personalfinance #christmas #babystep2 #spending #savingmoney