Presence not presents

It’s that time of year again, Christmas! A time to focus on our fellow man, our family and the child given to us in a manger. Or is it? Too many it’s a time to spend, spend, spend.

According to NerdWallet, a group that monitors consumer spending habits, “on average, consumers will spend $116 more than last year on their holiday shopping. Of that group, 73 percent will charge their e...