How to save for the holiday season

kAmp44@C5:?8 E@ k2 9C67lQ9EEADi^^HHH]56=@:EE6]4@>^FD^6?^23@FE^AC6DD\C@@>^56=@:EE6\7@C642DED\9@=:52J\C6E2:=\D2=6D]9E>=Qms6=@:EE6’D 2??F2= 9@=:52J C6E2:= 7@C642DEk^2m[ 9@=:52J C6E2:= D2=6D H:== 36 36EH66? S`]f_ E@ S`]f` EC:==:@? 5FC:?8 }@G6>36C a_ae E9C@F89 y2?F2CJ a_af] %92E’D 2? :?4C62D6 @7 23@FE cT 7C@> =2DE J62C]k^Am

kAmk2 9C67lQ9EEADi^^HHH]AH4]4@>^FD^6?^:?5FDEC:6D^4@?DF>6C\>2C<6ED^=:3C2CJ^9@=:52J\@FE=@@<\EC6?5D]9E>=Qm!Hr’D w@=:52J ~FE=@@< a_ae DFCG6Jk^2m E6==D 2 D=:89E=J 5:776C6?E DE@CJ[ AC65:4E:?8 DA6?5:?8 H:== 5:A 3J 23@FE aT]k^Am

kAm(96E96C DA6?5:?8 4=:>3D @C 62D6D D=:89E=J[ 7@C >2?J A6@A=6[ E92E >62?D @?6 E9:?8i w@=:52J 3F586ED 2C6?’E C62==J 62D:?8 FA]k^Am

kAm%9:?<:?8 23@FE 9@=:52J DA6?5:?8 H9:=6 E96 D62D@? :D DE:== >@?E9D 2H2J <66AD J@FC 3F586E 7C@> 36:?8 2 =2DE\>:?FE6 D4C2>3=6[ :? H92E 4@F=5 36 2? 6IA6?D:G6 9@=:52J D62D@?] w6C6 2C6 2 76H E:AD 7C@> k2 9C67lQ9EEADi^^EFC3@E2I]:?EF:E]4@>^Qmx?EF:E %FC3@%2Ik^2m E@ DE2J 29625 @7 J@FC 6IA6?D6Di k^Am

k9bm`] $6E J@FC D2G:?8D 8@2=Dk^9bm

kAmw@=:52J 4@DED 255 FA 72DE] !6C E96 !Hr DFCG6J[ E96 2G6C286 4@?DF>6C :D 6IA64E65 E@ DA6?5 23@FE Sf_g @? 9@=:52J 8:7ED E9:D J62C] k^Am

kAmqFE 4@DED 5@?’E DE@A 2E 8:7ED] %96C6’D 2=D@ 9@=:52J EC2G6= WA=2?6 E:4<6ED[ 82D 7@C E96 42C[ 9@E6= C@@>D[ 2?5 >62=DX[ A2CE:6D[ 72>:=J 5:??6CD[ 2?5 25>:DD:@? 4@DED 7@C 9@=:52J 76DE:G:E:6D 2?5 A6C7@C>2?46D]k^Am

kAm$@ :E’D H@CE9 7:8FC:?8 @FE 9@H >F49 J@F ?665 E@ D2G6 E@ A2J 7@C 6G6CJE9:?8 J@F H2?E E@ 8:G6 7C:6?5D 2?5 72>:=J]k^Am

k9bma] u:8FC6 @FE 9@H >F49 J@F ?665 E@ D2G6 6249 H66<k^9bm

kAmx7 J@FC 7:?2= E2==J D9@HD E92E J@F 2C6 8@:?8 E@ ?665 S`[___ E@ Sb[___ E@ A2J 7@C 6G6CJE9:?8[ 5:G:56 E92E 3J E96 ?F>36C @7 H66<D J@F 92G6 E@ D2G6] x7 E96 C6DF=E D9@HD :E :D ?@E A@DD:3=6 E@ D2G6 E92E >F49 5FC:?8 E92E E:>6[ E96? J@F 42? 25;FDE]k^Am

kAms64:56 H96C6 J@F H:== 4FE DA6?5:?8[ @C D6E 2 52E6 7FCE96C @FE 3J H9:49 6G6CJE9:?8 H:== 36 A2:5 7@C] |2J36 :E’D F?C62=:DE:4 E@ 92G6 6G6CJE9:?8 A2:5 7@C 367@C6 E96 6?5 @7 E96 J62C[ 3FE J@F >:89E 36 23=6 E@ 92G6 E96 9@=:52J 492C86D A2:5 @77 3J y2?F2CJ b`]k^Am

kAmx7 J@F’C6 4@G6C:?8 D@>6 @7 E92E H:E9 qFJ }@H !2J {2E6C Wq}!{X[ EC62E 6249 A=2? =:<6 2 3:== H:E9 :ED @H? 5F6 52E6] r964< @FE 9@H E@ k2 9C67lQ9EEADi^^3=@8]EFC3@E2I]:?EF:E]4@>^=:76^9@H\E@\FD6\3?A=\7@C\DF>>6C\`dbaed^QmDA=:E J@FC 76DE:G2= E:4<6ED :?E@ A2J>6?EDk^2m :7 J@F’C6 =@@<:?8 E@ A2J 7@C 2 3:8 E:4<6E 6G6?E H:E9 q}!{] k^Am

k9bmb] s64:56 9@H E@ D2G6k^9bm

kAm~A6?:?8 2 D2G:?8D 244@F?E 2?5 DE@C:?8 >@?6J 2H2J 7C@> 6249 A2J4964< :D DEC2:89E7@CH2C5[ 3FE E92E >2J ?@E 36 6?@F89 @? :ED @H?] p 76H @E96C @AE:@?Di k^Am

kF=mk=: 52E2\=:DE\:E6>\:5lQ64h344g43fhe`4763g_7_4ccbb2eb5`d4Qm$6== :E6>D J@F 5@?’E ?665 G:2 D@4:2= >65:2]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6_`3`2da5b`h4`3b2_2b_7c`b3dadc5fdQm!:4< FA @G6CE:>6[ k2 9C67lQ9EEADi^^3=@8]EFC3@E2I]:?EF:E]4@>^D6=7\6>A=@J65^9@H\E@\C6A@CE\D6=7\6>A=@J>6?E\:?4@>6\H96?\J@F\92G6\>F=E:A=6\D:56\8:8D\d__ge^QmDE2CE 2 D:56 8:8k^2m[ @C E2<6 2 A2CE\E:>6 H66<6?5 ;@3 7@C 2 76H >@?E9D]k^=:mk=: 52E2\=:DE\:E6>\:5lQ64hedb3fd`f6_d67`7`_734g`5b6efedbQm&D6 7C6BF6?E EC2G6=6C A@:?ED[ H9:49 42? C65F46 EC2G6= 4@DED @C 42? 36 42D965 :? 7@C 8:7ED]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6bhd_e_be5d3g674b2`bfbd46474g5cc3Qmw2G6 72>:=J >6>36CD 49:A :? @? 2 3:8 8:7E[ =6DD6?:?8 E96 4@DE 7@C 6249 A6CD@?]k^=:mk=: 52E2\=:DE\:E6>\:5lQ62dhg5bf`_b67f2e_fcg4d26g7ead6gg_Qm#6A=246 3FJ:?8 ?6H E9:?8D H:E9 >2<:?8 D@>6E9:?8 92?5>256] Wsx* 8:7ED >2J ?@E 36 2D 8=2>@C@FD 2D ?6H=J\AFC492D65 :E6>D[ 3FE E96J 42? 36 >@C6 >62?:?87F= H:E9 E92E A6CD@?2= E@F49]Xk^=:mk^F=m

k9bmc] r@?D:56C 8:G:?8 E96 8:7E @7 E:>6k^9bm

kAmx?DE625 @7 8:G:?8 @FE :E6>D[ 4@?D:56C E96 G2=F6 @7 E:>6 H:E9 E96 A6@A=6 J@F =@G6] !=6586 E@ 4@@< 5:??6C 7@C 2 72>:=J >6>36C @?46 2 >@?E9 :? E96 4@>:?8 J62C] ~C :?G:E6 J@FC 7C:6?5 @G6C 7@C 2? 2E\9@>6 >@G:6 >2C2E9@? :?DE625 @7 DA=FC8:?8 @? E:4<6ED 2?5 A@A4@C? 2E E96 E962E6C]k^Am

k9bmd] s:2= 324< J@FC H:E99@=5:?8k^9bm

kAmx7 J@F’C6 k2 9C67lQ9EEADi^^EFC3@E2I]:?EF:E]4@>^E2I\E@@=D^42=4F=2E@CD^E2I42DE6C^nAC:@C:EJr@56lbcegbbfh`_U2>Aj4:5lAA4088030DE2?02==04@?EC@=\r@C6v6@0qC2?5\qC2?5%%\qC2?5%%r@>\tI24E0EJad\3Fa\D3`eb0fgecegfc`fbh0`cahd__ha``h0<H5\c`fbdghh`hbeQm6IA64E:?8 2 E2I C67F?5 7@C E96 J62Ck^2m[ J@F 42? 4=2:> 6IEC2 E2I 4C65:ED 2?5 565F4E:@?D E@ C65F46 H:E99@=5:?8 2>@F?ED 2?5 :?4C62D6 J@FC A2J4964<D 7@C E96 C6DE @7 E96 J62C] yFDE C6>6>36C E@ 25;FDE J@FC H:E99@=5:?8 324< 32D65 @? J@FC :?4@>6 :? E96 4@>:?8 J62C] k2 9C67lQ9EEADi^^EFC3@E2I]:?EF:E]4@>^E2I\E@@=D^42=4F=2E@CD^Hc^nAC:@C:EJr@56lbcegbbfh`_U2>Aj4:5lAA4088030DE2?02==04@?EC@=\r@C6v6@0qC2?5\qC2?5%%\qC2?5%%r@>\tI24E0EJad\3Fa\D3`eb0fgecegfc`fbh0`cahd__ha``h0<H5\c`fbdghh`hbeQmp (\c H:E99@=5:?8 42=4F=2E@Ck^2m 42? 96=A J@F 7:8FC6 @FE E96 4@CC64E 2>@F?E @7 E2I 4C65:ED 2?5 565F4E:@?D E@ C6A@CE @? J@FC (\c]k^Am

k9bme] !=2? 7@C ?6IE J62Ck^9bm

kAmv6E 2 ;F>A @? ?6IE J62C ?@H] %96 62C=:6C J@F DE2CE D2G:?8[ E96 =6DD J@F’== 92G6 E@ D2G6 6249 A2J4964< 2?5 E96 62D:6C :E H:== 36 E@ 244F>F=2E6 E96 7F?5D E92E J@F’== ?665 ?6IE 9@=:52J D62D@?]k^Am

kAmk2 9C67lQ9EEADi^^3=@8]EFC3@E2I]:?EF:E]4@>^=:76^9@H\E@\D2G6\367@C6\E96\9@=:52J\D62D@?\:D\96C6\acdgd^Qmk6>m%9:D DE@CJk^6>mk^2mk6>m H2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^EFC3@E2I]:?EF:E]4@>^Qmk6>mx?EF:E %FC3@%2Ik^6>mk^2mk6>m 2?5 C6G:6H65 2?5 5:DEC:3FE65 3Jk^6>m k2 9C67lQ9EEADi^^9F3D]=2^"_b<=8$#_Q C6=lQ?@7@==@HQmk6>m$E24<6Ck^6>mk^2mk6>m]k^6>mk^Am