This week my employer decided to give all of us hard working medical types a Christmas bonus.  So now the question is, what to do with it? You see, if your not ready to receive money, or health or anything else for that matter, then you either waste the opportunity, or it passes you by. Money, even in the form of a paycheck, is an opportunity.  You must know what you want that money to do.  If you don’t direct your money it will direct you or forsake you. Either way you lose.  So, do you have a plan for your money? If not, a budget would be the best place to start. Once you master a budget, you will find that money is your servant, not the other way around.

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