Five Expert Tips for End-of-Year Budgets

 Decide Holiday Budget:  According to market research, the goal of consumers is to spend more this year than last. Often, this leads to more credit card debt. Don’t do it! End-of-year is a great time to make a budget. For couples or families, it's especially important to agree on the amount to spend on holiday gifts.     Pay Off Debt:

Eco-Friendly Electricity

Solar panels are a great source of producing energy for the home and are increasing in popularity each year. Consider the fact that 30 to 40 percent of solar panel rooftops in the state of Texas could produce enough electricity to be able to power the entire state of Texas. Solar panels have been in existence since the 1950s when…