Holiday Shopping Without Breaking the Bank

Once Halloween comes and goes, stores quickly trade their spider-webs and ghosts for fake snow, bells and candy canes.  As the weather gets colder, we start planning for the Holiday season and remembering happy memories of years past, spent surrounded by our family.  For many, the Holiday season is bittersweet as they remember the pain of paying off the debt they incurred buying gifts for all their friends and family.  Although the spending cannot usually…