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Spread the holiday joy without breaking the bank

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RICHMOND, Va - Financial Expert Donna Skeels Cygan joined us in the studio to share her ten tips to help you maximize your holiday joy by making small, deliberate changes in the way you spend your money this holiday season. Donna gave helpful suggestions regarding gift-giving budgets, replacing gifts with experiences, doing your shopping early, and many more money saving ideas. For more information you can visit online at www.joyoffinancialsecurity.com.