Have some savings with that Egg Nog.

By Stephanie S., Savings Advocate The holiday season is a stressful time no matter how much money you've set aside. Deciding on a gift budget, and then sticking to it, is a large hurdle for holiday shoppers. Perhaps even more so this year. Maybe you’ve switched jobs, moved, retired, got married or had a child. And maybe the financial adjustments have been
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Mommy explains Santa’s “budget” to her 5-year-old.

Christine G., Savings Advocate christine-g1 My 5-year-old was concerned that Santa wouldn’t know what to get her this year, since she hadn’t yet mailed the “list.” So I handed her a ginormous toy catalog and told her to circle a few things that she wanted — I’d share it with Santa later. Well, “a few” gets lost in translation
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Cash diet: Cutting the credit to thin the debt.

By Christy B., Cash Dieter and Savings Advocate Recently, I stumbled across an interesting CNNMoney.com article on cash dieting. No, not crash dieting. Sorry, don’t believe in them. Cash dieting. You know, putting the freeze on credit, paying down some debt and living within my means. Novel, ain’t it? I’ve been out of school a few years and have maintained one credit card with a low limit and a
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Season’s Gratuity: To tip, treat or simply thank?

Year ‘round, we Savers are faced with a near-daily dilemma: To tip, or not to tip? And if the answer is, indeed, to tip, we’re faced with another pickle: How much? Or rather: Unless I am feeling especially generous, what is the minimum I can give without being perceived as stingy? It makes us sweat. Because, after all, who wants to be deemed cheap? We don’t, not really. So, what to do about:
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    Need some tasty gift ideas? Check the cupboard.

    You’ve crossed a few people off of the shopping list, but you still have your boss, the neighbors and the kids’ teachers to buy for. And there’s not much left in the holiday budget. Well, worry not. Put the debit card down and open the pantry to cook up some gifts of your own. After all, they say that
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