Gift-Giving This Season
Dear Readers: We are always looking to save money, but the holiday season can be particularly challenging. We want the best for our families, but how can we give without breaking the bank? We face a lot of pressure: TV commercials tell us to spend, spend, spend; kids and grands want what they want; if someone gives you a gift, you feel like you have to reciprocate. Just hold the phone. Before spending anything, sit down, take a hard look at your finances, and create a budget. This will protect you from overspending. And think about starting a savings plan for next year. Giving a gift ...