December 15, 2025 ~ Lucy Ann Lance is joined by Nicole Bernacik, Financial Education Specialist with the University of Michigan Credit Union for Money Monday! Nicole provides five tips for affordable holiday gift-giving. They discusses strategies such as gift exchanges, setting expectations, the “four gift rule” for children, and shopping early or in groups. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com

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