Quick Hot Tips

• Save Money: Make your own gifts or give your time. For example, you could give new parents an evening of babysitting as a gift – they will love it!

• Save Money: Remove your credit card numbers from your online accounts. Having to type it in manually each time will act as a deterrent.

• Save Money: Keep your hands clean. You’ll protect yourself from viruses and bacteria, and end up saving on medical bills and lost productivity.