Listen every\xa0Monday morningon the Libsyn Platform\xa0where you\u2019ll find our featured Key for the week from Heather\u2019s\xa0Keys To Riches\u2122 Financial Wellness Series.\n\nTune in to this week's Keys to Riches Number Eight: No Seasonal Exceptions\xa0as host\xa0Heather Wagenhalsoffers\xa0specific financial techniques to help your financial habits become healthy money management skills.\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\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