We're going to be posting at a reduced frequency over the next week as our credit experts take time off for the holidays. Feel free to send your dreams or questions to us at tidbits@credit.com while we are away. Here are a few last minute tips to help you have a happy holiday season:

• Plan to use any gift cards you receive within a few weeks. This will reduce the risk of loosing or forgetting about the card or being charged expensive fees.
• Pack an extra credit card in your suitcase in case your wallet or purse is lost while traveling.
• Be sure to check the return policies for any gifts you want to exchange after the holidays. Most retailers allow a few extra weeks for returns in January.
• Request a mail hold to keep identity thieves at bay.
• If you are staying in a hotel, lock any sensitive documents or credit cards in a safe if you leave them in the room unattended.
• Leave photocopies of your credit cards, driver's licenses and other important documents with a trusted friend at home. If your wallet is stolen, you can retrieve important contact information from the copies.
• Learn how to save money or avoid scams with your rental car.
• Don't forget to pay bills that might be due over the holidays. Credit card or loan late payments could damage your credit scores.
• Avoid becoming your own Santa before the holidays. If you do want to splurge on yourself, wait until after the 25th for the big sales to start.

Happy Holidays! We&39;ll back at full steam after the New Year to talk about financial resolutions like getting out of debt, improving your credit scores, building your savings and buying a home.