None of us can escape the inevitability of loss in our lives. Whether we feel closure before experiencing a loss or it happens suddenly and before we can prepare ourselves, there are a multitude of emotions we experience that can be overwhelming. The following material may be helpful as you embark on your own journey through the grieving process.

Quick Tips for coping:

A weary mother returned from the store,

lugging groceries through the kitchen door.

Awaiting her arrival was her eight-year-old son

anxious to relate what his younger brother had done.

"While I was out playing and Dad was on a call,

T.J. took his crayons and wrote on the wall!

It's on the new paper you just hung in the den.

I told him you'd be mad at having to do it again."

She let out a moan and furrowed her brow.

Q: What is credit?

A: A "credit card" offers immediate access to services and merchandise to consumers who may or may not be able to make the full payment at once. Credit cards allow consumers the flexibility and leverage to make purchases with the promise of paying later. When used properly, credit is an ideal financial tool. The misuse of credit can also hurt an individual's ability to purchase homes or cars, as well as endanger future financial stability.

Shopping for the Holidays Without Going Broke

from Consumer Credit Counseling Service of Greater Atlanta

If you do nothing else to keep costs down this holiday season, follow this one