It was one of those conversations that just come up when you have coffee with a friend and you’re both self-employed. Kerry mentioned to me that a blogger had said on Twitter that your 20s are the most expensive decade of your life.
Here’s something I drafted but didn’t use. I thought I’d put it here:
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Have you started your holiday shopping yet? If you’re like most of us, you’re probably planning do it in the next couple weeks but how are you planning on paying for it?
Here’s what happens – you go into a mall, walk around, peer at things and buy something that might work for our family and friends. The next thing you know, you’ve overspent your budget and become one of the 12 per cent of Canadians who go into debt for holiday gifts!