Since mid-September, 29-year-old marketing professional Kelly Kinney has been applying to an average of 40 jobs a day. After hearing from some employers that she's one of 500 other applicants, Kelly took her job search efforts to the next level — she put her resume on the front of her shirt under the straightforward heading "I Need a Job," and put a cover letter on the back of her shirt. Her husband's salary can't sustain the family's cost of living and they've had to dip into their down-payment savings. Read Related: Brilliant or Baffling job loss poll resume Savvy poll The Grind unemployment Your Two Cents
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There's a bit of a rush that comes when you watch someone open a gift you've given them, and their expression leaves no room for wondering whether or not they love it. This year, more people are looking for gifts that have substance without costing a substantial amount.
Staying within this frame of thinking, 
The Salvation Army bell-ringing is as much an expected part of the holiday season as department store Christmas music and the 
Sarah Lavely, a former veterinarian, put her entrepreneurial spirit and $200,000 to work when she opened her San Diego business 
Between a struggling economy and inflated prices on anything wedding-related, it's almost essential to channel creativity in saving money while planning for the big day. One company has formed their entire business based on the idea that most couples are unwilling to sacrifice the wedding cake but are adhering to a budget that may not allow for an elaborate concoction.
There have been countless books released this year based on keeping your job during a down economy, and one of these book's authors recently appeared on a Fox News interview segment. Stephen Viscusi, author of Bulletproof Your Job offers Fox viewers typical tips like making yourself visible to your boss, and throws in one tip that made me pause.
If your boss tells you the company is letting you go, he recommends offering to take a 20 percent salary cut in order to secure the job you have. 
Keeping your credit card close by can be temping on shopping trips. While I opt to simply leave mine at home when out for a day of browsing, ABC News Consumer Correspondent Elisabeth Leamy has a more dramatic solution for those who have trouble 
Savvy says: Brilliant!
