Money-Saving Tips For Holiday Gifts

Gift giving does not have to break the bank this year.  Here are my 5 tips that will help you save money on gifts this holiday season.

• Create a gift budget.  Figure out the total you can afford, then calculate the dollar amount for each person.
• Pare down your gift-giving list.  Consider only doing stocking stuffers or only buying for kids.
• Shop early in the year.  Take advantage of sales and specials throughout the year.
• Make your own gifts.  Use your artistic skills to create personalized gifts.
• Open a holiday savings account.  Make regular, automatic deposits with each paycheck to easily save for the holidays.