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Thinking ahead also means making a list, checking it twice, and going after the lowest price rather than getting caught up doing your thinking in store.

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The financial crisis brought this number down around 7 in 2009.New Year's Eve may leave a very real hangover for many revelers, but a financial hangover is a much more common problem after the holidays are finished and the decorations are taken down.Many parents, spouses and partners overspend on their loved ones over the holidays and start the New Year saddled with credit card debt and with their finances in relative shambles. In this article, we'll show you how to avoid at least one type of holiday hangover.Few people marvel over the craftsmanship of a cell phone or develop a sentimental attachment to a fondue set.If you're creative and thoughtful, you may be able to come up with something that will be used more regularly and remembered more fondly than a factory gift.

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