Count down to holiday savings

 Avoid big bills in January with simple budgeting and organizational tricks.―By Michael Kaminer

December 7—13: Deck the halls.

December 7―13: Deck the halls.

Instead of buying new decorations, hang holiday cards or cut wrapping paper into festive shapes and adorn your house without dipping into your budget.

TIP: Gather tree branches from your yard (or ask for extras when buying your Christmas tree), gather them up with a pretty ribbon and hang as a welcoming (and inexpensive) door ornament.

NextDecember 7―13: Seek out car pools.


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