A good credit score and financial health is not just for Christmas-it's for life! Financial pain is the holiday hangover that nobody wants-but all too many of us are suffering. With 2020 throwing even more financial curveballs at ordinary people, there has never been a better time to get your credit score and cash flow in order. Darryll D. Harmon delivers the benefits of his years of real-world experience to help folks get their home finances in order, starting with understanding credit scores and how they impact our lives, right through to practical tips on improving cash flow and budgeting for your household. Harmon's advice is accessible to all, providing the financial education that most people graduating the school system have never received. Living beyond our means and using credit to top up our incomes has become second nature. It is time to 'do the math'-this book can help those just starting out on their adult lives to make sure they are not storing up problems for later, while those who are already in trouble can begin to take small, practical steps to work their way back to financial health. Christmas Is Coming is the perfect gift for the holiday season-and unlike so many others, this gift will actually save you money!