On the Twelfth Day of . . . Financial Planning?

Does holiday debt, the threat of identity theft, looming college costs, and meager retirement savings have you singing the blues? Texas CPAs can help fine tune your finances with 12 days of tips, loosely based on the carol, The Twelve Days of Christmas.

Day One, A partridge in a pear tree: Save Up to Afford Everything on Your Holiday Shopping List [1]

Day Two, Two turtle doves: What to Do When Your True Love's a Spender, and You're a Saver [2]

Day Three, Three French hens: Save to Enjoy Your Golden Years [3]

Day Four, Four calling birds: What to Do When the IRS Comes-a-Calling [4]

Day Five, Five golden rings: Valuable Tax Deductions That Ring True [5]

Day Six, Six geese a-laying: College Costs Looming Large? [6]

Day Seven, Seven swans a-swimming: Climb Out of Deep Debt Waters [7]

Day Eight, Eight maids a-milking: It's a Match: Take Advantage of Employer's 401(k) Contributions [8]

Day Nine, Nine ladies dancing: How to Prepare for Your Newest Tiny Dancer [9]

Day 10, Ten lords a-leaping: Credit Cards: Look Before You Leap [10]

Day 11, Eleven pipers piping: Take Steps to Protect Your Personal Finances This Holiday Season [11]

Day 12, Twelve drummers drumming: Resolve to Improve Your Personal Finances in the New Year [12]

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.