Plenty of unscrupulous people are out there, especially this time of year, but you are too smart to let yourself be duped by them. Contrary to what people might tell you, this isn't a good time to put your money where your mouth is. A lot of people are trying to convince you to invest or spend your money on unworthy causes, and it's in your best interests to say no. If you do find something you want to purchase or a cause you want to support, be sure to check out all of the details before you actually go through with it.