The season for holiday spending may be in high gear, but you can get your finances in order for next year with these smart ideas―By Betsy Wiesendanger
Look back at this year's statements (that's why you save them, right?) and write down what you spend on a regular basis. If you can, cut recurring expenses or services that you really don't use. Are all of those extra cable TV channels really worth the extra $15 a month? Do you really need a cell phone and a landline? Can you save money by getting phone, cable and Internet service from the same provider?