Here is another way to cut down your Christmas expenses and save big this holiday season:
YourWestValley.comChristmas looks merrier in most of Valley than in TucsonYourWestValley.comIt factors in age, debt-to-income ratios and monthly expenses. The it considers how much the typical household has in savings that to its expenses. Run that through what WalletHub says is its "proprietary algorithm'' and WalletHub sets the holiday …