4. Make a holiday spending plan and stick to it by making a list of expenses, deciding on your spending limit, assigning money to each category, and tracking your purchases.
 
5. Take a look at this list of what isn’t always covered by homeowners insurance including floods, earthquakes, pet damage, termites, mold, and more.
 
6. Find out what happened when a real estate investor did a house flip because HGTV “made him do it.”
 
7. See this investigation of stain resistant shirts to see if it’s worth it to pay $50 to $220 to prevent coffee and Ketchup stains. Note: Although all of the shirts were free from PFOA and PFOS, none of the brands claimed they were free of all PFAS, water- and stain-resistant chemicals some of which have been shown to have harmful health effects in humans and animals.
 
8. Don’t waste money on stuff you don’t really need. Consumers’ Checkbook magazine offers a list of 65 things you (probably) shouldn’t pay for including bottled water, car leases, car repairs at the dealership, extended vehicle warranties, and debt relief and counseling services.
 
9. Get detailed information on winter boots to help you make the right choice on this expensive purchase.
 
10. Make a plan to protect your retirement from natural disasters.
 
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