12 money tips from holiday 'experts'

As the prematurely cynical young daughter of a single mom, Susan Walker initially refuses to believe that the Macy's new store Santa is the real deal. But in "Miracle on 34th Street," Kris Kringle convinces her in spectacular fashion. He delivers the only present Susan's ever wanted: a home for her new family. We all share Susan's dream of the perfect house, but it doesn't take a miracle to make it come true. All you need is some planning and preparation. Make sure you know the ins and outs of homebuying before you take the plunge.