Here is another way to cut down your Christmas expenses and save big this holiday season:
Spartanburg Herald JournalNoel Swain: The Value of a Written Retirement PlanSpartanburg Herald JournalThen one must face the even harder side of the ledger, expenses. Because it's not just food, clothing and shelter, it's taxes, insurance, Christmas and birthdays for spouses, children and grandchildren. You know that you'll eventually need a new car …