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WBFF Fox 45 :: SAVING YOU MONEY: Pre-Holiday Shopping
It's as much of an American tradition as holiday shopping: post holiday debt. Trimming some costs right now can help you stash some cash before Black Friday. It's all about planning ahead. To find extra cash in your budget between now and Black Friday, Kiplinger's Personal Finance has some simple, painless tips:

1. Stop paying for text messages and potentially overage fees, with a variety of FREE texting apps.

"You'll tap into all of that through an app on your phone, as opposed to using standard messaging on your phone," says Kiplinger.com Managing Editor Robert Long. "Free of charge. The only thing you'll have to put up with are some ads here and there, of course."

2. Dig in your wallet to find and sell unwanted gift cards. Kiplinger says the average household has about $300 worth. An online gift card exchange won't give the full value of the card, but it's better than nothing.

3. Adjust your tax withholding, instead of waiting for the usual fat refund in the Spring. It's as simple as filing a new W4 form with your employer. The changes can take effect with your next paycheck and could put almost $500 in your bank account over the next 2 months.

You can keep track of all of our SAVING YOU MONEY reports at Fox17.com, also on Facebook and Twitter.
SAVING YOU MONEY: Pre-Holiday Shopping

Tuesday, October 9 2012, 09:17 PM CDT

Tennessee News

Haslam's chief deputy Claude Ramsey to retire
June 19, 2013 16:41 GMT

NASHVILLE, Tenn. (AP) -- Gov. Bill Haslam says chief deputy Claude Ramsey is retiring at the end of August to spend more time with his family in Chattanooga.

The Republican governor said in a news release on Wednesday that the 70-year-old Ramsey has been integral to his administration on key initiatives that include civil service reform, economic development efforts, workforce development training and improved operation of state government.

Ramsey was elected to the General Assembly in 1972 where he served four years in the House. He was Hamilton County's mayor for 16 years.

His last day on the job is August 31.

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