Laurel Marshall, Sentinel Federal Credit Union executive administrator, and Matthew Gluhosky, SFCU vice president of lending, speak to Airmen about establishing a holiday budget during a “How to Take Control of Your Holiday Spending” class in the Airman and Family Readiness Center classroom at Ellsworth Air Force Base, S.D., Sept. 26, 2012. Participants had an opportunity to learn how to better manage their holiday finances without accumulating unnecessary debt. (U.S. Air Force photo by Airman 1st Class Hrair H. Palyan/Released)