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I've always saved. I believe in keeping money back for a rainy day and living within my means. I don't buy expensive clothes; I have a 10-year-old car I'm hoping to replace when a big job comes in. I suppose when we do go on family holidays, I am quite happy to spend when we are there.

I keep all of my letters, postcards, and thank you notes. I'll keep them forever!

And I always keep cards people send me. I have a whole wall covered with them.

Each year, in my quaint efforts to send out paper holiday cards with personal messages, I probably discard one for every three I actually manage to put in the mail. The reason is that my handwriting is now less legible than it was when I was in the second grade.

I'm somewhat of a hoarder. I keep everything.

I will honor Christmas in my heart, and try to keep it all the year.

I have too many credit cards. You know what happened? Someone stole one and I didn't notice. I noticed when I got that bill. Whoa! It was so much less! I'm letting him keep it. I'm saving money!

I squirrel away sealed greeting cards that people give me so I can open them later when I'm having a bad day.

I never saved my money. Whenever I worked in the past, I would spend it on my family or my husbands.