If you are among the majority who are not saving for emergencies first determine how you are spending. Go back through check stubs and credit card statements and determine how you are spending. Then look for areas where spending can be reduced. While energy ...

Take the star, for instance, one of the basic shapes associated with Christmas. When we place it atop our evergreen trees, we bring into our home a reminder that heavenly signs of prophecy were fulfilled long, long ago when a new star appeared in the heavens over the manger where the newborn Christ-child lay. The star is the shining hope of mankind. Like the star, candles symbolize Christ, who is the light of the world. They mirror starlight, just as we reflect our thanks for the Star of Bethlehem.