
January is a pivotal month for many and can ‘make or break’ a winter for some. The children are going back to school after the Holidays, which may have strained the pocketbook. Those extended working hours and seasonal employment are now reduced. Even if you planned for the Holidays, you probably overspent. Colds and the flu may keep some of home on days when we truly need to be working. Heating homes cost more. These are just...
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