#1 tip to avoid holiday debt: Get Creative!
If holiday expenses are stressing you out this year, there are many creative ways to provide great gifts of giving and service. One of the best Christmas gifts I ever received was from an acquaintance who worked with pottery. She spun a petite plate, painted in three different shades of blue, which continues to serve me well today, as a decorative collector of coins, pens, barrettes, lozenges, and other small odds & ends. The clay, paint, and brushes…
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