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Pinched: no presents (please!)

Is your "Santa" list getting long?  Have you ever wanted to tell family and friends to leave you off their list so you can avoid feeling pinched by time, space and money?  Well you better have that awkward conversation sooner than later.  Hear the advice Shiral shares with Stephen Quinn


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That advice comes from Krystal Yee: a self-described reformed shopoholic who use to go overboard at Christmas only to pay off those fancy gifts over the course of the next year.  Krystal is now a saver, a blogger and a financial writer and this year she told her Christmas keener family not to get her anything.  It might take years to change family tradition but if you want to have that conversation, do it soon.  Change takes time.