When did instant gratification become the way of the world? It is insane how we all want everything right away. This year I am going to step back before I purchase or get anything to make sure that it is really something I need not just want. How many of us has put ourselves in major debt or made a decision that has badly affected us. I know I have millions of times. Now is the time for me to contemplate before doing anything and hopefully my kids will pick up this habit as well.