2010 for a lot of families is likely the second year in which things have been tight for the holiday season; which inevitably impacts holiday spending. And so I’m going to name it a “new normal.” Many of us have started to adopt patterns in our daily lives that we wouldn’t have otherwise done before, like using coupons. It almost has taken a shift such that what used to be reserved for people who were deemed “penny pinchers” has now become a reality for many folks. “Coupon” is not a bad word, any more than “budget”. There’s nothing to be ashamed of; seeking out ways to save money is indeed, especially now, a very smart action or a reaction, I might say, to the crunched financial situation. People have to be more imaginative as the 2010 Holiday Season approaches. For the rest of this article, please visit my blog – Ms Morrison Speaks Money 
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