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A holly, jolly, debt-free holiday

Who doesn't look forward to those time-honored holiday traditions? Baking endless fruitcakes, stringing up the lights ... getting all those bills. For those of us who find seasonal debt nothing to fa-la-la about, the Dollar Stetcher newsletter offers some cash-saving ideas for homemade Christmas and Hanukkah gifts. What friend or family member wouldn't be delighted to receive a pretty package of fresh bath salts or flavored vinegar? What about homemade cards, which are always much nicer than the ubiquitous Hallmark versions? After perusing the ideas here--and printing out the recipes--you'll be on your way to creating a new tradition: ringing in the New Year with your credit rating intact. Brenda Schmerl

Tue, 16 Nov 1999 13:35:03 -0800