[lizbeth4]

Charles, thanks for your great post!!! My past Christmases were made of using credit to purchase gifts and the food as I would have used all of the cash to gamble. It was a stressful time not a joyful one spent with family. Now being gamble free, I have already purchased the gifts and decorated. I have planned and purchased almost everything for Christmas dinner. I am looking forward to spending time with my family! What a big difference!!!