The year is coming to a close which means a few things for most people. We have those who are filled with regret for all that should've, could've, would've gotten done but didn't. If that sounds all too familiar you're likely to also be stressed about spending money you don't have on gifts that will be quickly forgotten or Black Friday shopping ( a gimmick, may I add) to get all the things you "needed" year round. Being one of these people during this season, sucks. It's stressful and tiring. I know because I've been there. If this is you, it's not too late to turn things around!