TODAY 3rd Hour: Guide to holiday gatherings. Simple steps to lowering your bills and save money. “Courage Camps” introduce surfing to its community.

<p>NBC News investigative and consumer correspondent, Vicky Nguyen, and NBC News medical contributor, Dr. Natalie Azar, have your guide to holiday gatherings when it comes to deals, shipping and Covid. Plus, simple steps and tips on how to lower your bills and save money. Also ahead, meet a surfer who is opening up the sport to the Hispanic community.</p>