12 money tips from holiday 'experts'
As Scrooge's lone overworked employee, Bob Cratchit put up with terrible working conditions before his boss wised up. Most of us aren't as loyal as Bob. When we find ourselves in similar unfulfilling jobs, we start looking for new ones. Laura Morsch, a career adviser with CareerBuilder.com, says, "January and February are very big months for job-searching on our site." Her advice: Don't spam dozens of employers with the same generic cover letter and resume. Customize them for each position.