Jan 1–31. For people to establish financial balance after credit card bills pour in from the holidays. This is a time to set new goals for financial freedom and moderation in spending. See a financial adviser. Create money management goals. Set up a savings plan. Figure out how to pay off old loans. Get out of debt. Spend less money. Give up a little luxury and donate the savings to charity. Buy in bulk, shop at discount stores, wait for sales and bargains. Shop garage sales, flea markets and online auctions. For info: Angela Brown Oberer, Words of Wellness, PO Box 49266, Charlotte, NC 28277. Phone: (704) 843-0688. E-mail: angela@wordsofwellness.com. Web: www.wordsofwellness.com.
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