My finances are really tight this year so I am using any gift cards that I can earn using points as gifts for my children and parents this year.  I have been saving them up.

I work hard at keeping my brain active in a number of different ways.  I love to read many non-fiction books on a variety of subjects. I also love to journal and write to penpals that I have kept for many years.  I enjoy learning by watching new vide...