Chances are you're enmeshed in stuffing turkey, prepping pies and getting ready to set your Thanksgiving Day feast table. And if visions of getting up tomorrow at the crack of dawn to pop a turkey in the oven or to polish your grandmother's silver sound familiar, you're not alone. Scores of turkeys, platters and pies will be carefully tended to tomorrow in the hopes of presenting family and friends with a delightfully delicious meal.

But like any good cook, you know that the presentation can be just as important as the taste, which means you've got to set and decorate your Thanksgiving table. It also usually means needing to run to the store to buy table decorations you'll most likely use just once or twice. And that's an expense you don't need to incur.

If you're entertaining over the holidays, make sure you save yourself some money by following these simple money saving tips inspired by Jeannette Pavini, the Household Savings Expert of Coupons.com.

Simplify Your Ingredients: If a recipe this Thanksgiving calls for creme fraiche, use Greek yogurt instead. Take a look at your menu to see what simpler, more affordable ingredients you can sub in for the fancier stuff. Instead of serving the entire bird, save money by serving turkey breasts. This will also save you money on your energy bill, since it takes less time to cook, and it saves you from all those turkey leftovers. Don't forget to ask for day-old-bread -- you'll get a deep discount on the price and it's just as good if you warm it in the oven or use it for making croutons.

Around my house, we don't make the decision to pile into the car and head over to our local Cineplex as easily as we once did. It costs a lot of money these days to see talking animals, wild things and giant meatballs falling from the sky -- and don't get me started on the popcorn.

Going to see the latest kid's film use to be a no-brainer and if the adults slept through it, well, it didn't really matter, but no more. When a family of four has to pay a total of $40.50 to see a "regular" movie, or $56.50 to see that movie in digital 3D, or splurges to see that same movie in digital 3D playing on the "giant" IMAX screen for a whopping $60.50, it suddenly becomes very important that everyone is at least mildly amused or entertained.

To buy tickets to all of the new movies coming out would cost literally hundreds of dollars, and if you throw in drinks and snacks -- there goes college. How to find one that's family-friendly and worth the expense?

Movie reviews for kids are not new, but they are getting increasingly relevant as families demand more of a sure-bet for their entertainment budget. It's impossible to promise that everyone will like a movie, but if you know who to listen to there will be more hits than misses.

Most of the websites are free, such as Kids-in-Mind., Commonsensemedia, Parentpreviews, and Moviemom.

Who doesn't have an unmarried friend who lost the house, or at least their investment in the condo, when the relationship went sour?

The key question when buying property together, according to a new book -- "Living Together: A Legal Guide for Unmarried Couples" -- seems pretty simple: Does your legal relationship match your private agreement?

But who wants to have that conversation when you are newly in love, or at least new to nesting?

No one, the book's author admitted to WalletPop.

The thrill of the hunt is compelling, especially when your grocer's ads tout "BIG SAVINGS" on favorite holiday meal fixins.

But even if you're just shopping for your weekly groceries this weekend instead of the trimmings and trappings for turkey day, it's still tough to say no to a good sale. And with most of us on strict, self-imposed budgets because of the current recession, shopping on the weekend becomes an even bigger temptation, a time to say, "But I've been so good all week, I deserve a little splurge!"

Tossing sale items in your cart can blow your budget if you're not careful. "I find it hard to resist great sales, so I'll buy far more than we need or than I can fit in my freezer," says frequent sale-shopper, Barbara Nelson.

Move over AA, NA and other 12-step programs, now there is Debtors Anonymous for those addicted to overspending. Patterned after Alcoholics Anonymous, DA is a 12-step program to help spenders recover from chronic debt and compulsive spending.

In DA, the first step for recovery is accurately tracking every dime, nickel and penny of spending for 90 days. The new DA member is then paired up with two or more veteran members who assist in formulating a new plan for spending and budgeting. The weekly meetings offer support and encouragement to members, particularly if there is a spending relapse.

In yet another sign that Americans are still cautious -- and growing more so -- about their spending, new research shows that fewer of us will be using credit cards to make our holiday purchases this year.

According to a survey conducted by BIGresearch for the National Retail Federation (as reported here by Reuters), the number of consumers using credit cards for holiday purchases will drop more than 10% this year. Only 28.3% of shoppers say they'll use credit cards to buy presents, down from 31.5% last year.

What are we doing instead? Paying cash. The number of survey respondents who said they'll be using cash to buy holiday gift this year rose by almost exactly the same percentage as the drop in credit-card users, at 9.1%. This is a step in the right direction for consumers, as more of us are making a conscious decision to live within our means.

It's bad news for the already-beleaguered credit-card industry, though; we've recently written about new data showing that credit-card companies will probably have many more defaults next year.

It's also bad news for the nation's retailers, which are already bracing for a weak holiday shopping season. The National Retail Federation survey also revealed that we're buying more practical gifts this year. A greater percentage of consumers plan to buy clothing this year, and fewer are buying electronics and jewelry.

The honeymoon has been over for a long time and in spite of your best efforts, the marriage is too. As you and your spouse approach the legal, financial and emotional issues of getting divorced, you can save a lot of money by working together.

Yes, I know, "If we could work together we wouldn't be getting divorced." But sometimes when people aren't trying to make the marriage work anymore, they can approach problems and discussions under a new light. And it is critical.

Divorce is very expensive and can have a long term impact on a family's finances. Here are some strategies to try before your day in court.

While some are declaring that the recession is over, the good news has not trickled down to my pocketbook. My husband and I are looking closely at all our expenses to cut our overhead. Our wages have decreased in the last year, mostly due to the slow down in my business, but costs have continued to rise. Utilities, gas, taxes, and food are taking more and more of our shrinking paychecks. We decided to take some action after looking at every expense in our budget. Maybe some of these tips can help you too:

How well is the government's loan modification working? WalletPop's four-part special report continues with profiles of some of those trying to get help. To read the overview, click here.

Christine Attalla is among the lucky. The suburban Chicago homeowner not only got a temporary loan modification, but she's on track to convert it to a long-term adjustment before Christmas.

She even calls herself lucky, although when she does there's a quiver in her voice. That's because in the process, her credit took a beating.

For a solo entrepreneur -- Attalla, 38 and divorced, runs her own public relations company -- poor credit is a serious problem.

It all began last spring, when Attalla realized the economic downturn was making it increasingly difficult for her to manage her $3,000-a-month payment on her Bolingbrook home. And she was pregnant, so she knew she'd have less earning power later in the year.

Attalla heard from a friend about the modification program, applied in April through her lender, CitiMortgage, and waited.

She was approved for a three-month trial reduction -- for June, July and August -- which cut her monthly payments in half. If she kept current, she said, she would qualify for a permanent modification that started with a 2% interest rate and tiered up after a decade. So far, so good.

This is the last of a five-part series about how the writer and her husband, Charlie, tackled a major overhaul of their home and the pitfalls they faced along the way. To read the first installment click here.

The workers are gone, the dumpster was picked up, and we are touching up the stain and paint. Now that things are finished, we are so glad that we put in the quality finishes and the extra touches we wanted. The total cost was around $55,000 -- twice as much as we had originally planned.

The investment is definitely worth it. Now we have new plumbing throughout the house, updated electrical, refinished floors, and a state-of-the-art kitchen -- all upgrades that are bound to boost the value of our home if we ever decide to sell.

This is the fourth part of a five-part series about how the writer and her husband, Charlie, tackled a major overhaul of their home and the pitfalls they faced along the way. To read the first installment click here.

We continue to eat dust and stumble through piles of stuff. In spite of the inconveniences, I was starting to feel positive about the progress -- that is, until a large semi-truck pulled up to deliver the dome that goes over the tub.

Rick, our contractor, and my husband soon discovered the dome weighed close to 400 pounds. With daggers in their eyes, they asked, "And just how are we suppose to get this thing out?" Fortunately. I remembered reading on the website that the dome was actually quite light -- it was the packing that was so heavy. Grumbling and swearing under their breath, they emerged about 15 minutes later with a fiberglass dome to be temporarily stored in the living room.

Tom's Take: It always makes sense to add the cost of a few visits with your chiropractor to every home improvement budget.

How well is the government's loan modification working? WalletPop's four-part special report continues with profiles of some of those trying to get help. To read the overview, click here.

Kathy Partak went into loan modification armed with the powerful combination of knowledge and motivation. She had worked in the mortgage business, so she knew her rights and the right vocabulary to use. And she had a step-rate loan that was about to step up dramatically.

Add to that an on-the-job shoulder injury that left her unemployed and Partak figured she was a perfect candidate for modifying the loan on her three-bedroom home in Auburn, Calif.

But Chase Manhattan Bank denied her a modification, Partak said, telling her, "Unemployment is not a permanent hardship."

"Hopefully not!" said Partak, 42. "But it's one of the reasons they allow for on their paperwork of qualification."

This is the third part of a five-part series about how the writer and her husband, Charlie, tackled a major overhaul of their home and the pitfalls they faced along the way. To read the first installment click here.

The situation is deteriorating fast. A large part of the problem is our fault, we're falling victim to an all-too-common disorder in the industry called project creep.

It works like this: If we are going to put in a new hallway floor, why not rip up the carpet upstairs and do all the floors there, too? And if we are going to do the upstairs, then it only make sense to do the downstairs as well. Since we got such a good deal on the granite, why don't we put new counter tops in the kitchen? For that matter, why not get new appliances? After all, the plumber and electrician are already here. They can get things hooked up. Don't you think the whole thing will look lousy if we don't re-tile the kitchen back splash? Why not, it already has a hole in it from the plumber. And so on...

This is the second part of a five-part series about how the writer and her husband, Charlie, tackled a major overhaul of their home and the pitfalls they faced along the way. To read the first installment click here.

Now it was onto the next step: Demolition. The destruction was scheduled to begin right after the holidays.

Tom's take: Good idea to hold off on demolition until after the holidays. I can't tell you how many panicked calls I've received on my radio show from folks that absolutely had to get a major project done before an event (a holiday, wedding, anniversary party, sweet-sixteen, whatever). It never makes sense to put that kind of pressure on yourself -- or your contractor. Build a fudge factor into the schedule and the stress factor goes way down.