11 Smart Ways to Spend Your Christmas Money

Well the holidays have come and gone and more than a few of you probably got cash or gift cards. At this time when I feel grateful for what I have received, and all the other blessings of the season, I hold off a bit on spending. I like to take stock of what I spent on last year and what I bought that I didn't really need. Frankly, I like to start a new year making good investments and use my