this time of year

[Gerianne]

holds many surprises, mostly good. It is also the time of renewal.

On the other hand, there are added expenses. January holds the beginning of yearly charges.

Instead of a tree to trim, I had to trim my budget.
I just have a tiny end table tree and that's all right with me. 

Things always work out.
I plan on "coasting into the new year" trusting God's guidance with every step.

[alice44]

I second your thoughts exactly.  It is indeed a special time of the year.

[oldbuddy]

holds many surprises, mostly good. It is also the time of renewal.

On the other hand, there are added expenses. January holds the beginning of yearly charges.

Instead of a tree to trim, I had to trim my budget.
I just have a tiny end table tree and that's all right with me. 

Things always work out.
I plan on "coasting into the new year" trusting God's guidance with every step.

It's good that you are smart enough to recognize when you must make adjustments, some people just let the charges run up and suffer later on.