Team Up:

This concept is simple- if someone on your list wants or needs something too large for one person to handle, team up with others. Items like a new TV, video game consult, a trip, or amusement park passes can run up a hefty bill. But if you split the cost between three, four, or five people it

becomes far more manageable. This money saving tip for the holiday is the easiest one because all you have to do is talk to your family and friends who will, most likely, want to hop on board with you, especially if it’s something that a loved one really wants or needs.

Pull Names:

Anyone from a large family knows that gift giving can get pricey just based on the sheer number of items you have to buy, even if you do put a thirty dollar per person limit out there. Thirty dollars times ten gifts is still three hundred dollars, which is over the recommended budget if you make $30,000 a year. Pulling names cuts down on your costs, and gives you the opportunity to get a gift you know they’ll love, not just a gift that meets your cost requirements. So whatever your income is, make sure to make your budget before anything else! Continue reading »