Christmas

Christmas gifts are expensive, so save money this year: don’t buy gifts; make them.
If you have any ability to make any type of craft, now is the time to use your talent.  If you can do wood working, great!  Making gifts is more personal, and less expensive.
What if you have no talent?  No problem.  Give [...]

It’s ten days until Christmas, and the pressure is on.  You are not looking forward to a trip to the shopping mall.  Yesterday we discussed shopping on-line; today’s tip: shop at off peak times.
Most stores have extended hours during the Christmas shopping season.  Take advantage of them.  Shopping at noon on Saturday is crazy; the [...]

As we approach Christmas, and you dread the thought of fighting the shopping mall crowds, here’s a tip: shop on-line.  Here’s why:
First, there is no sales pressure on-line.  There is no sales person to tell you “you look good in that”, or “it’s a limited time offer.”
Second, you won’t make rush decisions at the end [...]