6 Surefire Ways to Save Money this Christmas


Make a Budget – Once you set a budget, stick to it. Figure out how much you can spend realistically this year on Christmas. Once you figure that out, decide how to split it between each recipient.
Pay Cash – Whatever you do, if at all possible, do not use credit cards. Paying with cash will make you think before you buy and you will have to figure out if its worth spending the money on the item you areĀ  buying.
Make your own Gifts – It doesn’t have to be tough to make your own gifts. There are many easy projects out there, even ones for the kids to make. And what grandparent wouldn’t love a homemade gift from their grand-kids? And save even more money by using things you already have at home, scrap material, old clothes, glass jars all are great things to stash away for Christmas gifts.
Track your Spending – Make sure you keep track of what you spend. It might be worth it to get a little notebook to keep receipts or just to write down what you bought so you know when you have hit your limit. You can also refer to it when you are getting ready to spend money.
Buy used if you can – Buying used doesn’t mean you aren’t giving the best. Some used, like for instance on Amazon, are as good as new. Check out the deals on Craigslist too. But always check and make sure it works before you buy anything. Ask if you can plug the item in if electrical and check out everything before you buy.
Wrap with magazines or newspaper – This is not the biggest money saverĀ  but it does save enough to make it worth the effort. Try making your own bows, its easy and all you need is magazines and staples. Make your own wrapping paper from shopping bags or newspaper.

10 Holiday Savings Tips

Christmas BaubleCan you believe it, Halloween is come and gone and we are staring straight into the eyes of what we like to call ‘The Holidays”! Yikes! Yes in the past I was always ready for this time of year with not much to do but this year I have a lot left undone, and not much money to do it in. If you are in that same boat check out the tips below and start saving money today.

1. Save money on stamps by sending Christmas postcards. And only send them to the people you would like to get in touch with the most.

2. Using the Christmas cards you received last year you can make your own postcards – saving on the price of the postcards.

3. Make your own bows from newspaper and magazines – Click here for easy gift bow instructions.

4. Wrap your gifts in what you already have – left over material(you can even cut up old clothes you don’t wear), magazine ads, newspaper funnies, and old wrapping paper.

5. Make your own gift tags – cut up old Christmas card, you can even use a deck of cards like they did here.

6. Decorate with what you already have. Hang up your Children’s art work, fill a glass bowl with old bulbs or pine cones, string popcorn and cranberries to hang on the tree and along the fire mantel, use pine tree clipping for decoration and as a bonus it will make the house smell beautiful.

7. When looking for gifts, check out your local Goodwill, a lot of times you will find brand new merchandise from Target or other well known stores that donate their over merchandise. The cost of these brand new items are usually only a couple dollars.

8. Make your own gifts. There are so many easy fun project for the whole family to make and homemade is always best.

9. Save on shipping and deliver gifts in person when you can.

10. Always pay with cash, you will buy only the necessities because watching cash leave your hands is much harder then using the credit card.