Happy New Year, everybody! What a glorious, wonderful time of the year we are in! The holidays have settled down and now we are beginning a New Year, filled with new experiences, opportunities, and maybe some New Year’s Resolutions. This is also a time when people are often taking advantage of the countless sales being promoted all over town. Sure, it’s great to spend some money and get remarkable deals. However, one needs to be aware of how much money can be spent that will still keep him/her within a predetermined budget.