Where are all the days have gone? Time is rolling so fast and September is setting in before we know it. To other September means rainy or cold season, to some it means an ordinary month but for many and especially to those who believe, it means a time to start saving up for the coming holiday season, is it not? Whether we want to be a Santa on Christmas or we want to celebrate it the ordinary way, the common denominator is we still have to spend and before we can do that we need to earn and save.