Quick Hot Tips

• Save Money: Do holiday shopping in advance after the holidays. For example, get wrapping paper, cards, bows, and gift bags the day after Christmas.

• 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.