Stuck in a membership that's draining ur wallet? heatherwags tells u how to protect urself in contractual agreements: ping.fm/sF1Rr

heatherwags is going LIVE with the uywradio Mid-Week Update in less than 5 minutes! Tune in here: ping.fm/CHI8J

When gift giving or remembering someone's special occasion or commemoration, begin with a card and work from there. personalfinance

Daily affirmation: I am a gracious recipient and I am conservative with my gift giving. ping.fm/TfrtK

When making a purchase, always consider post-sale add-ons: costs presented AFTER you have made your buying decision (i.e. warranties)

quote: "Great works are performed, not by strength, but by perseverance."-Samuel Johnson

charging $3000 on toys for your child when you clearly can't afford it will turn into $9000 by the time you pay it all off

when exchanging gifts, remember that all etiquette says is you have to be a gracious recipient personalfinance

Tune into uywradio now for some Minutes on Your Money: ping.fm/ENtUY personalfinance

heatherwags is LIVE with the UYWRadio Saturday Show. Tune in here: ping.fm/QK6Ib personalfinance