This is not an article about how to make gifts using leftover household items.  Nor is it instructions on how to spend hours and hours making items.  It is simply a reminder to redeem your credit card points.  
For many people, this Christmas is going to be a tight one.  Many of us are trying how not to let our children know just how tight it really is.  Thus, shopping with these already gathered points can help.  Today, I bought quite a list of items and spent not one penny.  Even better, one of the cards that I redeemed from isn’t even our charges that we are redeeming, but instead since my husband is a salesman, it is the card he charges his reimbursable expenses on.  
So I encourage you all, before you set your alarm for 3 am on Friday and march out into the cold to save $25.00,  look at “free money” that you may already have available to you.  (Plus, who knows with this credit crunch – these points may not last too long either .  . . why not use them while they are still good.)
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