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With Thanksgiving over and Christmas just around the corner, it’s time for many Americans to start thinking about holiday shopping.  The holidays are a time to gather with friends and family and enjoy great food, relax by the fire, and hopefully exchange a few gifts.

As we all know, the holiday season can be one of the most stressful times of the year.  The added pressure of trying to buy gifts for family and friends can push an already strained budget to the breaking point.  With the tax filing season fast approaching, it can be tempting to consider taking out a tax refund loan, but there are some important points to keep in mind.

Christmas time is here again, and with that comes the stresses of gift giving.  Getting wrapped up in the season makes it easy to overspend.  I put together Christmas shopping tips to help with shopping on a budget!

1. Set a Spending Limit.

Take a look at your finances and figure out exactly the amount you are going to spend in all.

Working as a secret shopper, being paid to have your car wrapped with a company logo, and winning the lottery all have one thing in common—they are all tactics scammers are using to try to steal your hard-earned money.

We have all dreamed of hitting the Power Ball and thought of all the ways we would use the money IF we won. We’d pay off our debt, go on elaborate vacations, and buy a new house and cars. However, lottery and sweepstakes scams rank among the most common consumer frauds.

Navient is a publicly-traded student loan servicer familiar to many Americans with student loan debt. The company formally split off from Sallie Mae and contracts with the U.S. Department of Education to service and collect upon student loan accounts.

On this Thanksgiving Day, we are thankful for the things we have.  We generally celebrate Thanksgiving by eating a large meal to include meat and vegetables.  Our local radio station had a radio program on this week and discussed what are called Food Deserts prompting me to research it a little.

It is almost 7:00 PM and I am still in my office.  Today has been a busy today and it doesn’t look likes things will let up tomorrow.  I have a lot of work to do and seemingly not enough time to get it all done.  Challenges exist both at work and at home.

With a toddler in the household, my grocery and household trips with her can end up costing me an extra $100 or even more.  As a busy Mom, I am always looking for ways to save time and money.  This year, I have discovered some apps that allow me to save BOTH that I am going to share with you:

Thomson Reuters Super Lawyers Magazine annually publishes a list of the top attorneys in Alabama. Super Lawyers rates outstanding attorneys from seventy or more practice areas based on peer recognition and professional achievement. The selection process is multi-phased and the lawyers are chosen by considering a combination of peer nominations, independent research, and peer examinations.