Sandi is part of the debt reduction counseling team for New Visions Ministries.  www.newvisionsministries.com  She has also worked in retail for most of her career and understands the gift industry very well.  Sandi has given tips to friends, family, and clients for years on how to save money on gifting, how to organize your Holiday schedules, and most of all, how to do all this without using a credit card.