Thanksgiving is over and so is Black Friday and the Monday that followed with all those special “deals”. With so much advertising in the media and reports that Americans will spend more for Christmas this year than they did last year, things could easily be scary for many once the New Year arrives and the credit card bills arrive. However, there is so much more that we should be focusing on in addition to shopping, presents and all the great food we will all be eating between now and the new year.