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Chartway Promise Foundation, the charitable arm of Chartway Credit Union, continues to advance its mission of bringing joy, hope, and smiles to medically fragile children and their families through unforgettable experiences.

January has a way of making money goals feel bigger than they need to be. New year. Clean slate. Big promises to your future self. And then life happens.

Here's the truth: the week between Christmas leftovers and the New Year exists in a time-warp where money seems imaginary. You bought gifts you don't remember ordering, subscriptions sprout like weeds, and your budget attempts to escape through the nearest window.