’Tis the season for MasterCard and Visa, American Express and Discover. Deck the halls with spending overkill and stress at the malls. Certainly Santa is a busy guy, but here’s a gentle reminder: try moderation and remember the true meaning of Christmas is the spirit of love.

“True happiness,” said German lyrical poet Johann von Goethe, “springs from moderation.”

Wouldn’t it be wonderful if for the next 12 months, instead of paying monthly finance charges, you paid your loved ones more attention and love? The dividends are priceless.

“A little wind kindles,” wrote George Herbert about moderation, “much puts out the fire.”

So when you whip out that credit card at Wal-Mart, stop and check out your shopping selections with the sweet mantra, “less is more.” Because it is.