On the Twelfth Day of . . . Financial Planning?
Day One, A partridge in a pear tree: Save Up to Afford Everything on Your Holiday Shopping List 
Day Two, Two turtle doves: What to Do When Your True Love's a Spender, and You're a Saver 
Day Three, Three French hens: Save to Enjoy Your Golden Years 
Day Four, Four calling birds: What to Do When the IRS Comes-a-Calling 
Day Five, Five golden rings: Valuable Tax Deductions That Ring True 
Day Six, Six geese a-laying: College Costs Looming Large? 
Day Seven, Seven swans a-swimming: Climb Out of Deep Debt Waters 
Day Eight, Eight maids a-milking: It's a Match: Take Advantage of Employer's 401(k) Contributions 
Day Nine, Nine ladies dancing: How to Prepare for Your Newest Tiny Dancer 
Day 10, Ten lords a-leaping: Credit Cards: Look Before You Leap 
Day 11, Eleven pipers piping: Take Steps to Protect Your Personal Finances This Holiday Season 
Day 12, Twelve drummers drumming: Resolve to Improve Your Personal Finances in the New Year 
It is the hope of the Texas Society of CPAs that these personal finance tips can help keep your green out of the red this holiday.