The Christmas season is upon us, and with it one of the most difficult times to stick on a budget. Its so easy to go overboard on gifts for those you love. Theres always some cute, cheap item that is just perfect, but when you find things like that over and over, they really add up.
Its no fun being on a tight budget at this time of year. You wish you could give your kids the gifts they want the most, and give other family members just the right gift too.
There are several ways to give well thought out gifts at this time of year without overdoing it on credit cards or adding to your financial worries. All it takes is a little planning and creativity. Here are a few ideas.
Draw names.
Youll still have to do the shopping for your kids, of course, but getting together with your siblings or other family members and drawing names can save a lot of money, as well as shopping time. This also allows a single, nicer gift to be given, as you can agree beforehand what should be spent on each person, and have it be a gift from all of you.
Give your time.
Make up coupons with favors you will do for the other person. This could be mowing the lawn...
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