Dear Hoosiers:\r\n\r\nI am happy to share with you the latest edition of Indiana Money Wise. The purpose of this e-magazine is to provide Hoosiers with timely tips and information on smart money management skills and how to be financially fit.\r\n \r\nNovember is the time of year most people start to think about the upcoming holiday season. With Black Friday and Cyber Monday just around the corner, it is important to go into the season with a strong spending plan. This month’s issue of the e-magazine gives you tips to creating a holiday spending budget, how to use layaway and what to think about when using credit cards to pay for holiday expenses. Use these tips to keep holiday spending under control so you aren’t paying for it in the new year. \r\n\r\nThe holiday season is a perfect time for fraudsters to prey on the generosity of others. Some scammers use end-of-year tax avoidance or fraudulent charities to scam people out of their hard earned money. This e-magazine will help you protect yourself from being scammed. \r\n\r\nSincerely,\r\n \r\nConnie Lawson\r\nIndiana Secretary of State\r\n