by on ‎12-12-2010 05:17 AM

We set aside money in a holiday account throughout the year. This year, we've actually spent less than we usually do, thanks to competitive bargains and rewards programs. These days, we pay for just about everything with a credit card, but on a "card to cash" basis-- meaning that we pay in full right away. This guarantees that our credit card "Rewards" are really "free", we get extended warranties on most items, and that we don't throw away our money on interest.