Here is another way to cut down your Christmas expenses and save big this holiday season:
The downturn in the economy doesn’t have to turn gift givers into Scrooges this year, financial planners say. And spending less doesn’t necessarily mean handing out homemade cookies, either, although it’s not a bad idea. It’s important to start planning soon to avoid getting sucked into the last-minute frenzy, said Jennifer Wallis, vice president of Consumer Credit Counseling Service of Central …