A Reader Asks…

Late November and the month of December is a busy time for retailers nationwide in the United States as Americans purchase Christmas gifts from both family and friends. Although this is the time of giving back to others, as a result, many Americans spend more than they can afford, charge too much on their credit cards, and go into debt with their charges.
What are some suggestions you would give to a friend in order to save money during the Christmas Season?

A Reader Asks…

Without putting it in a bank? I want to save some money for Christmas starting now, but if I put it in my regular savings or checking account it will certainly get spent. Are there other ways to save? What do u do?