ADD Holiday Survival Guide

With the holidays fast approaching, I want to share some useful information to help you through the holiday season.

To budget for all the wonderful gifts you plan to buy this holiday, here is a well known website where you can order your credit report. Log on to annualcreditreport.com. You’re entitled, by law, to a free credit report once a year from each of the major credit-reporting bureaus: Experian, Equifax, and TransUnion.

Another useful bit of information is a wonderful survival guide offered by ADDITUDE magazine. Here are the first three tips. I will send out subsequent tips in the next few days.

1 REPLAY YOUR GREATEST HITS

Make a list of all the activities your family did last year—everything from attending a religious service to seeing local light displays. Have each family member rate them on a scale from 1 (very important) to 3 (unimportant). Do your best to fit in the 1s and some 2s, and forget about the 3s.

2 SAVE THE EARTH—AND YOUR WALLET

Set a date on your calendar to send out cards, and make the job fun and easy by using your computer to send cute, interactive e-mail cards.

3 STREAMLINE GIFT-GIVING

Keep shopping simple by buying everyone varieties of the same thing, such as books, gift certificates, or clothing from the same catalog or website. Stock up on decorative candles or bottles of wine to give out as hostess gifts, too.

These simple tips might save you some time and stress. Happy Holidays!