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New Year's resolutions are an annual rite of passage at this time of year, but making those promises is only the beginning. If you want to truly improve your situation in the year to come, you need to be realistic with your promises.

It does not matter what those annual promises are - if you cannot stick with them, your situation will not improve, and things could actually get worse. The dieter who vows to eat nothing but salads will surely be tripped up by the first chocolate chip cookie, and the saver who plans to go from zero savings to thousands will face the same challenge.

If you want your financial resolutions to be successful, it pays to start small and ramp up your efforts. Here are 10 money-saving financial resolutions you will actually be able to keep.

Can’t decide what to give this Christmas? Does a new sweater sound a little dull, another lotion or candle just seem humdrum? Any gift would be appreciated by the recipient but may appear uninspired. Why not give your gifts a lift by presenting them as part of a homemade gift basket?

Creating a gift basket and tailoring the contents for each special person in your life can be as much fun for you as it is for the receiver. And it needn’t cost a fortune. While a pack of seeds may raise an eyebrow on its own, as part of a gift basket it could raise a smile. Assembling small gifts which suit your budget and presenting them as part of a gift basket gives each recipient a treat to last the whole year.

Most people consider Thanksgiving as one of the favorite annual holidays because food and family are at the center! People love sharing their unique recipes and traditions. It is also a time to have gratitude for the many blessings you have in your life.

Since food is at the heart of this holiday, you need to prepare the meal. Despite the excitement, it can be quite overwhelming especially if you are hosting a large group. Here are some tips that can make the process much easier.