Editor's note: This is a transcript of the audio file.
Feeling debt's bite? Even if you're low on cash, there's no need to abstain from fun altogether.
Entertain yourself with these frugal and free activities. I'm Janet Stauble with your Bankrate.com Personal Finance Minute.
Try the new geocaching craze. Geocachers use a GPS and clues to discover caches hidden in parks or on city streets. These hide-and-seek expeditions are a way to discover your city on the cheap. Groundspeak's geocaching iPhone app is available for $10.
Libraries have extensive movie and music selections for free entertainment. Some even offer passes to museums and attractions that you can check out just like a book.
Learn a skill that will pay for itself. Community colleges offer affordable noncredit classes. You can learn anything from sewing to sautéing.
Tour new model homes and open houses on the weekend. Just let the agent know you're not a serious buyer.
And check out Swap.com to swap your not-so-favorite holiday gifts for stuff you actually want.
Want to learn more about money management? Log onto Bankrate.com. I'm Janet Stauble.