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If there's an upside to this economy, it's that it is affecting everyone. There's a good chance everyone at work, on your block, in your circle of friends and in your family is cutting back. That means you can feel more comfortable than ever before suggesting ways to conserve money. One way, particularly if you have a large family or group of friends, is by drawing names out of a hat for presents.
Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.

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