The holidays are for making memories.

Instead of filling the room (and maybe the next) with presents, consider thefour-gift rule.

The rule even rhymes, so its easy to remember:

No Interest Til Almost 2027?

A little girl has a wish list of all the presents she wants.

Theres still an opportunity to land an awesome gift without overspending.

We rounded up thehottest toys of 2023 each for less than $25.

Avoid Boredom Buying

Maybe you dont necessarily have a long list of gifts to buy.

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Youve just engaged in retail therapy: Thats when you shop to cheer yourself up or stave off boredom.

Check out these tips forhow to avoid using retail therapyto get you through the holidays.

And that means establishing a budget.

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And wrapping up the holidays without taking on extra debt is a very merry way to start 2024.

Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder.

Readher bio and other work here, then catch her on Twitter @TiffanyWendeln.

Contributor Kent McDill contributed to this report.

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