Budgets are sexy….your ASF guide to managing your finances this yuletide

Wow…woke up in the holiday spirit, cant believe its christmas already and 2020 is around the corner. Oh, and I havnt posted here in a while..sorry guys. I started drafting this post early november and only just wrapped it up in time for Christmas as my gift to you…*no pun intented*..lol I knew I had …

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