American consumers are encouraged to spend. At the same time, they are being told to save money. This holiday season, a growing number are shopping for piggy banks and leaving their credit cards at home.

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Rituals give kids a sense of security in a fast-moving, unpredictable world, as well as memories they will cherish a lifetime.

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People are focusing on what really matters - financial security, relaxing time with family and friends, and reduced stress during the holiday season.

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