Yes, this is correct. If you are paid bi-weekly, for most there are only three pay periods left until Saint Nick comes calling. Once the pumpkins have been put away, stores shelves start brimming with Christmas goodies enticing us to spend, spend, spend. Just this morning, my daughter provided me her verbal list of wants. In her words “the cheap list and the not-so-cheap list”. How kind of her to categorize it for me. (more…)