Guys, Christmas is finally here! I'm so excited. I love Christmas, even though I'm Jewish. I love Christmas carols, decorations and of course, Christmas gifts. Christmas really mattered to me when I had student loans. It was my one chance to ask for things that could make a big difference in my life. I would agonize over my list, wondering what would really help me save money or make me happy. Here's a list frugal gifts that can help you ... Read more...