Personal Finance Advice and Commentary

Here are some last-minute, money-saving tips on Christmas gifts for all the last-minute shoppers.

Three months and counting. That’s how long consumers have to complete their holiday shopping before Dec. 25, 2011. Three months might sound like plenty of time, but nearly one-third of consumers start the holiday season with no savings for the extra travel, gifts, decorations, meals and so on that they purchase during the last few