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HELP SANTA Retailers hire tens of thousands of extra workers for the holidays, with some gigs paying as much as $16 an hour (although $11 to $14 is more common).

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creating logos, as well as copywriting and translation services, says a spokesman. Prices vary per project, from $5 for a simple WordPress bug fix to hundreds or thousands of dollars for something like website design.

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RIMKLFSVWŞ OMHW Nationally, babysitters earned $13.97 an hour on average last year, according to a Care .com survey. That means by working 6 p.m. to midnight one Friday night a month you can earn $1,006.

8EOI ER I\XVE WLMJX For everyone from retail clerks to housekeepers, job website SnagAJob focuses on hourly work. You can search for parttime jobs and specify when you want to work, like nights or weekends.

H O N E YO U R H E A LT H CA R E

HIHYGXMFPI TPER Workers with health insurance through their employer pay an average family premium of $467 a month for a PPO vs. $321 for a highdeductible health plan, according to Mercer. That’s $1,752 a year in premium savings. The strategy can pay off even if you aren’t in perfect health. Just make sure you have enough cash on hand to cover your higher deductible.

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Paired with highdeductible health plans, these portable accounts allow you to set aside pretax dollars for medical expenses

now or in the future. A single person making $60,000 (in the 25% federal tax bracket) who puts away $288 a month in an HSA would save $863 a year in federal income taxes. Once you’re retired, you can use HSA money for Medicare premiums.

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National Business Group on Health. Make a healthy salad for dinner instead of getting takeout a couple of times a month, and you’re up to $1,000.

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Nearly all large employers offer wellness programs, and about three-quarters of those offer financial incentives to employees to participate. You can earn money for activities like getting your cholesterol checked or signing up for a workplace exercise program. The average employee incentive adds up to $742, according to the

You’ve probably already heard about Groupon’s restaurant, fitness, and beauty deals, but did you know you can also use the site for discounted eye, dental, and chiropractic exams? If you visit the chiropractor twice a month, and your insurance doesn’t pay the average $68 fee (as per Chiropractic Economics magazine), you’ll save around $1,000 by using pack-

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Members of Congress want to overhaul the nation’s tax code. All our recommendations are based on current law.


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