Spend wisely. “You can’t own a Land Rover and have a landlord,” quips Gail Perry-Mason, senior director of investments Oppenheimer & Co. “Own some property. Also, don’t spend a lot of money at Christmas. If you have to spend money, shop wisely; visit www.Retailmenot.com (for coupon codes) or www.ebates.com to receive a money-back check in the mail.
