Christmas often comes at a high price. Between gifts, wrapping paper, travel and parties, making Christmas happen can spell financial ruin unless you go into it with a plan. But this year can be different. With some intelligent cost-cutting and creative thinking, Christmas need not drain your wallet this year – or be any less satisfying than in years past. Read on and apply these 12 tips for... 

I’m working on my handout for my program on Overcoming Overspending which starts on Thursday Sept. 3 and thought I’d share some of it with you. _______________________________________________________ 12 Warning Signs You Might Have a Problem with Overspending and Overshopping You use shopping as “recreation” and “retail therapy” without a budget or limits on what you spend....