7 Ways to Save Money on Christmas Gifts Christmas is supposed to be the most wonderful time of the year, but it can cost you. Americans planned to spend an average of $823 on Christmas gifts in 2022 according to a NerdWallet survey. This amounts to a staggering total of $178 billion in gift spending. What's concerning is that one third of gifts in 2021 were charged to credit cards, the balances of which are not yet paid off ( NerdWallet ). The average credit card interest rate in America is over 24% according to lendingtree . Those Christmas gifts will cost a lot more than what's on the price tag if you can't afford to buy them outright, or to pay off your credit card balances in full when the transactions post. You can do Christmas without going into debt. Let's look at some ways to save money on Christmas gifts. ***This post contains affiliate links. I earn small commissions from clicks and qualified purchases at no extra cost to you. Thanks for you...
Suffering from dry skin?! 5 things to stop doing to relieve dry skin. Let's talk dry skin. Your skin is your largest organ, your body's interface with and protection from the environment. Keep it moisturized and intact! I trained in a dermatology office as a physician assistant student. Dry skin was a common complaint. Many clients were shocked at the advice they were given: "I paid a specialist copay for this?!" was a common sentiment. Relieve dry skin by stopping these 5 things, and you may save yourself a trip to the doctor's office! 1. Bathing Frequently Water exposure can be drying and irritating. Reevaluate how many times you are bathing, and for how long. Consider decreasing the overall amount of time you are immersed in water. 2. Bathing in hot water Hot water is especially drying. In addition to the amount of time you spend in water, consider lowering the temperature of the water. Check out this article that says ideal water temperature is be...