Your gifts might put a smile on someones face but at what cost?
Here are seven tactics it’s possible for you to use to spend less.
Shop With Cash
Embrace acash envelope budgetfor holiday spending.
Feeling overwhelmed? Create a budget that works for you with ourbudgeting bootcamp!
Then pay for gifts only with that cash.
Once the moneys gone, thats it for your Christmas shopping.
Dont use your debit or credit cards to purchase anything else.
Our team has compiled alist of creative waysyou can fatten your bank account this week.
This is a long list, so dont get overwhelmed.
Well keep it updated as offers changes or expire.
Get in on Group Giving
Group giving can be done a few different ways.
Set a spending limit for each category.
Shop Second-Hand
A gift doesnt have to be brand new to be new to the recipient.
The awesome thing about second-hand treasures is you dont even have tobuyanything.
Make Your Own Gifts
Theres aDIY Christmas gift(orDIY stocking stuffer) for every skill level.
Add hot cocoa mix to Mason jars for an easy way to do Christmas on a budget.
Knit a scarf if youre an experienced crafter.
Though youll still spend money on supplies, youll likely pay less than store-bought equivalents.
And homemade presents show the thought you put into the gift and its the thought that counts.
And if the recipient isnt able to use the tickets for whatever reason, the gift becomes a dud.
Redo your best friends resume or host a one-on-one cooking class for your brother.
Nicole Dow is a senior writer at The Penny Hoarder.
Probably not as good as youd like.
It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
Ask one of these companies to help…
