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b'Financial concepts and habits can be learned with help from\\xa0Heather Wagenhals, host and personal finance expert of the\\xa0Keys To Riches\\u2122 Financial Wellness Series.\\n\\n\\nKey Statement:\\n\\nI know that I am vulnerable when managing my money if I allow seasonal events and special occasions disrupt my savings and spending plan. I acknowledge that to become truly successful with my money, I must\\xa0be more mindful during\\xa0holidays and on special occasions because going overboard serves no one, especially not \\xa0me nor my family.\\n\\nKey Affirmation:\\n\\nI am a gracious recipient and thoughtful giver.\\n\\nKey Commitment:\\n\\nI commit to using Heather\'s "Card Up" Assessment formula when determining appropriate gift giving.\\n\\nKey Action Item:\\n\\nWhen giving gifts or remembering or commemorating someone\'s special occasion, begin\\xa0with a card and work from there. For annual events and celebrations, sit down and create a plan for saving with your discretionary funds. It is easier and requires less\\xa0intrusion\\xa0with your daily dollars when you give yourself 364 days to carry out a\\xa0sizable\\xa0savings goal.\\n\\nThese are just some examples of things you can expect and work into your plans. \\xa0Be creative with you strategy so you can achieve financial independence AND still enjoy the fruits of your labors today.'