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There's no doubt now - the holidays are here. Here’s our editor’s pick of five upcoming things to do in Janesville and the surrounding area. Look for this list in

To do that. >> what can he do now? anything? >> he has to downsize, if he owns a house and cut expenses to a bone and get any job. had he done this a year ago, he might have done it with $100,000 in the bank. humans do this. they wait until it's an absolute crisis and act. what we do is say, listen, three or six months in act as if you have that money as bake stop. >> the idea is to find places to cut that you didn't realize you could cut before? >> yes. >> if you have a question and want answers, let us know. send us an e-mail anytime to cnnhelpdesk@cnn.com. yeah, i'm always reading