“The Fiscal Firecrackers” want to help you create a memorable ho-ho-holiday that won’t ho-ho-hurt your bank account.    Galia shares treasured tips to set your financial intention early (so you don’t have a painful holiday hangover in January), find valuable ways to save 20% to 30% on gifts (both online + in stores), buying in bulk and many more ideas that won’t cost you a penny.   Susan suggests giving the creative, thoughtful gifts of experiences rather than tangible items and shares memorable examples - like a surprise best friend fly-in (using mileage points) and her priceless call from a famous country singer.