Have you made your list of who's naughty and nice? Are you ready to buy those gifts and do it safely? Listen to this week's MoneySmarts4U show with host, Barbie O'Connor, as she goes through the 5 steps you need to take to protect yourself financially and physically during this holiday shopping season. Ways to save money to cover holiday purchases, how to strengthen your passwords using the NULS system, keeping track of your purchases, and total expenditures, as well as a few simple ideas to make your holidays better are discussed in today's show. For more MoneySmarts4u, buy the book on Amazon. Subscribe to the show. Like us on Facebook. Listen in on Itunes. Email any questions to barbie@moneysmarts4u.com. Check out the website, www.moneysmarts4u.com.