This year is truly flying by.  It’s July.  Already?!?  I’ve noticed a lot of websites and even brick-and-mortar stores advertising Christmas in July and that made me think–are you doing any Christmas prep yet? I honestly don’t mean to imply that we should have all of our shopping done or our decorating planned out.  But really, have you even thought about it?  Made any lists?  Saved any money?  I’ve started saving, but I’m nowhere near where I want to be.  I’ve also {Read More}