 Financial readiness and responsible spending are things you should keep in mind this holiday season. At our family centers we have personal financial managers who are there to help with developing a spending plan, developing a debt reduction plan, looking at pros and cons of different agencies that may support you, turning to our aid societies if it's that if it's that dire to get you on your way up and out of that debt. The banks and the credit unions on our installations also have staff available to to support people in this area. Check out MilitaryOneSource.mil for more information about how to take control of your finances. From the Defense Media Activity, I'm Petty Officer Jonathan Sunderman.