Today, take some time to come up with a realistic holiday season budget so you don't find yourself with a credit hangover January 1. Ideas include borrowing items for the Thanksgiving table and paring down your gift list for December.

Creative individuals have come up with some household uses for powdered milk that can really help save some money. It removes ink stains, polishes silverware, makes whipped cream and softens your skin in the bath! Talk about four-in-one!

If you're running low on cash, try saving by finding free samples. Our faves include the makeup and beauty samples at Sephora, chowing down on fresh veggies at the farmer's market and snagging CDs and books from the local library.

Your credit is your responsibility. Change your interest rate and reduce your debt now!