Think about next year now - Decide what you want for yourself and your family because right now will determine the next few years. Don't wait until January 1 to make a New Year's resolution. By then, you will be starting exactly where you were last New Year.

A gift of investment - This year, give the gift of a stock or a savings bond. In other words give a gift that's really an investment in your loved one's future. Just getting an IRA is a great gift to you and your spouse.

Budget and price compare - There are numerous internet sites as well as product review sites to check out prices before leaving your home. Make out your list, check your budget twice, and stick to it.

Avoid "buy now and pay later" - Even zero % interest is damaging because you are paying for it with dollars which don't exist except in the future. If you can develop one concept in all of your life that will serve you better financially than any other, it should be this: If you can't afford to pay for it with cash, you can't afford it.

Carry two cards- Use one with a zero balance for purchases you will pay off in full. Use the other, which is the lowest interest, for purchases you will pay off over time. Leave all other cards at home.

Guard your debit card - When using a debit card, make sure you guard it closely along with your PIN. Studies show most PINs are combinations of birthdays, street addresses, or phone numbers. Crooks know that and if they take your wallet or purse and find a debit card, they most likely will try to get into your account with an obvious PIN number that is similar to other numbers on your driver's license or identification cards. Also don't forget to record debit transactions just as if it was a check.

Check receipts - Honest mistakes can happen anytime. Dishonest mistakes can also happen and the holiday season is open season. When you are tired, frustrated, and in a hurry, it is very easy to not be as alert as you might be otherwise. If you find yourself frazzled and trying to negotiate a transaction, FREEZE! Take a deep breath and re-think. Is this a good transaction? If it's a "one-time-only" or "too good to pass up", it's probably wiser to pass it up. Also, there is a lot of loose money at this time of the year with cash gifts, gift certificates (which is the same as cash), etc. Don't be careless with money.

Celebrate two Christmas's - Retain December 25 as a religious and social event as it should be. Then, shop after January 1 when all the prices are way down, and exchange gifts on Super Bowl Sunday.

article worked up through information obtained at about.com