The year is about to close and instead of shopping like what everyone must be doing these days, we are saving and trying to pay off all debt so we can have a clean slate for next year. Next year we are hoping we can take a vacation, a much-needed one, for all of us. It may not be at the Myrtle beach golf course but we hope it will be somewhere where happiness lives for all time (mystery much?). We just need to work harder.