
Making good choices about saving and spending can be difficult, especially when you’re young and relatively inexperienced with finances. Research shows that costs such as housing and student debt can greatly hinder a person’s ability to save adequately for their future. But not all is lost. As the holidays approach, we are reminded of Charles Dickens’ classic novel, “A Christmas Carol,” in which the ghosts of Christmas past, present and future help Ebenezer Scrooge embrace the joy of helping his fellow man after decades of mean-spirited behavior. Similarly, by taking a look at your past money mistakes and…