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"There is something about Christmas that is magical. Money just seems to disappear into thin air." Melanie White 00:12 Good evening and welcome to my humble podcast abode. I am Cocoa Griot, just a fifty-something who is super amped to talk to you dear listener about life, love, and a throng of other topics. It is the most wonderful time of the year and it is also the time that many of us sink deep into debt to provide a magical Christmas experience for friends and loved ones. In honor of this special time, I wrote a poem that summarizes what many people will experience after Christmas is over. 00:37 “Twas the night before my credit card payment was due, No holly jolly feeling, just up to my ears in debt blue. A stocking was hung by the chimney with care,  Now I have got a balance from the things I put in there. My children are all nestled in their beds, while visions of a second job dance in my head. I heard a sound it was a concerning matter, I had turned down the thermostat so my teeth began to chatter. I glanced quickly around the room for things I could sell, Christmas was great, but now I am not feeling so well. I grudgingly decided to add up the receipts, it took incredible courage to accomplish this feat. The Christmas spirit must have had a hold on me, my balance exploded because of all the gifts under the tree. I tried to focus on the gleam in my children’s eyes, Wasn’t all this worth it to see their joy and surprise? Well actually not knowing that I will have to be away from them more, because of my overzealous shopping spirit and presents galore. They might not remember what they opened on Christmas Day, I will never forget because of the debt I have to pay. 2:58 I made this poem because for many years this was my reality. I would strain myself to buy gifts I could not afford with money I did not have. I worked two jobs for many years to try to climb out of debt. Now if I don’t have the money for it, I will not buy it. I am not saying parents should not give their kids gifts. I just know that I made the holiday about the gifts for a long time. In doing so, I wore myself down trying to outdo one year by what I purchased the next year. I hope that if you celebrate Christmas you are able to do so with those you love. Thanks for listening this evening and as always I wish you good health, good fortune, and a goodnight.. Cocoa Griot out!