It happens every year. We get into the Christmas spirit, we become more generous, take advantage of special offers, party up a bit, and wind up spending far more than we should. Then, just when we start our resolution of saving money in the new year, along come the credit card bills, reminding you of all of your bad spending decisions.
It’s even worse for people who are going to ‘wait until next year’ to buy a house. You may find that when your lender pulls your credit, they discover that either your credit scores went down, or that with your newfound debt you can’t afford a mortgage, or both.
Roger Gaylord, the 3-time challenger for a seat on Folsom’s City Council, has finally been declared the winner in the 2016 election.
Using the slogan, ‘The Fresh Face for City Council’, Gaylord did what no other candidate seemed able to do, defeat an incumbent in Folsom’s election.