Tuesday’s need-to-know money news

homebuyerToday’s top story: How to financially prepare for winter. Also in the news: How to determine if you should rent or buy a home, how to keep student loans from ruining your life, and how to avoid gift card fraud during the holidays.

8 Ways to Tackle Winter Money Challenges With Ease
How to reduce heating costs and holiday expenses.

Know Your “Rent-to-Price” Ratio When Deciding If You Should Buy a Home
How to determine if you should consider buying vs renting.

7 ways to top student loans from ruining your life
Taking charge of your loans.

How to Avoid Gift Card Fraud This Holiday Season
Protecting your purchases.

When You’re Most Likely to Get a Call From a Debt Collector
Prepare yourself.