Were Your Finances Naughty or Nice This Year?

Little kids aren’t the only ones that are traumatized by Elf on the Shelf this time of year.  We grownups can feel Self-Loathing on the Shelf at year-end if our financial goals weren’t met. How did it go this year?  Did you… Build an emergency fund of 3-6 months’ expenses set aside in a non-retirement…