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Welcome to the December 2012 Edition of the Practical Money Skills for Life Newsletter

Holiday Spending Survival Guide

Many Americans feel the sting of holiday spending well into the new year. If you love to celebrate the holidays but don't love the financial pinch you experience afterward, there are several great tips for giving and celebrating, without breaking the bank. Even if you are shopping last minute, it's imperative to make a realistic budget and stick with it. Read more.

Practical Money Matters Article:
Error on Your Credit Report? Here's Help

When your private financial information gets into the wrong hands, the consequences can be devastating. It's important to take to review your credit report to look for errors and possible fraud. Getting those errors removed from your report can be a chore, however. Read more

Practical Money Matters Podcast:
Lower Your Winter Utility Bill

If your utility bills are out of control, a few cost-cutting measures could save you hundreds of dollars. Did you know up to a third of heated or cooled air can be lost through leaks and one leaky faucet wastes about 2,000 gallons of water a year? Check out these tips to lower your costs. Listen now

Innovative Educator:
Lois Stoll
Benjamin Logan High School
Bellefontaine, Ohio

Lois Stoll has been a Family & Consumer Sciences teacher for 25 years and she is as busy and enthusiastic about teaching as ever. Some of the best feedback she gets is from graduates who write to her to say that they use what she taught them in class every day. Read more

Nominate an Innovative Educator

Each month, Visa honors an educator who is innovative in helping students lay the foundation for future financial success. If you or a teacher you know is using Practical Money Skills' curriculum or otherwise enriching students with lessons in financial literacy, tell us about it. Nominate an Innovative Educator