As much as I love Christmas, I also hate, hate, hate winter. I don’t enjoy the cold weather at all and if I didn’t have to leave the house between late November and early April, I wouldn’t.

Whenever I have to leave the house, I get all bundled up because I hate to be cold. I’m a big fan of wearing several layers whenever I go somewhere because I can always take off a coat or jacket if I’m too warm. But, if I didn’t wear or bring a coat, that I’m SOL if I’m too cold.

Unfortunately, good quality, warm winter clothes can be pretty expensive. Luckily, I’ve found a few ways to save on warm winter clothes.

Is one of your resolutions this year to save more money? If so, you are not alone.

Many people are striving to save more money this year, but they don’t know where to begin. Others make a valiant effort to save more money at the beginning of the year, but by Spring Break they are ready to give up on their goal.

This year you can make sure you save more money by creating accountability, and use your competitive side to your advantage with one of these savings challenges.