Cutting back on Christmas spending
If buying gifts for family has become a major financial burden for you each year, you're not alone. Consumer Reports magazine reports that in a recent survey, families across the country are using some time-honored methods to help keep their spending under control at Christmas. According to the survey, more than one-third of families this year have set a spending limit for gifts, 14 percent are making homemade gifts, and 6 percent have elected not to give any gifts at all. While it's probably too late to make a major change in the way you handle the holidays this year, you could bring up the idea of making some changes for the 2009 holiday season during family get-togethers in the coming weeks.

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