You might be saying to yourself “It’s August already?”, well if that’s the case you’re certainly not alone. Many of us are asking ourselves the same question and wondering what we’re going to do when the summer fades into fall and winter is upon us! Winter can only mean one thing for us… the holidays are coming, again! I feel like we just settled down from the hustle and bustle of the holidays. Our bank accounts are still suffering, and here we sit realizing its coming upon us yet again, sooner than we’d like.