God rest ye merry, gentlemen let nothing you dismay, remember, Christ, our Saviour was born on Christmas day. To save us all from Satan's power when we were gone astray. O tidings of comfort and joy! Lyrics from a Christmas carol so old it's origin isn't quite clear. But it's meaning is clear - Christ becoming man to redeem His people. Today, our host Rob West welcomes Crystal Paine to talk about ways you can have a truly meaningful Christmas. Together they offer wisdom and tips about how to break free of the commercialized Christmas. They discuss things such as breaking traditions when they aren't meaningful, fun, family Christmas activities, and meaningful gifts. They also discuss Crystals book, Celebrating Savoring a Simple Christmas. In today's show we also answer your questions: - I agreed to a loan to put hurricane windows on my home. This loan has a 7.5% interest rate. Should I take money out of retirement to get this loan paid off? - I just came into an inheritance to enable me to become debt free. I could also put money down on a home. Should I do this and quit renting? My credit score is around 600. Should I get a credit company involved to clean up my credit report.