11. Early Shopping = Better Deals
Start shopping early to get the best deals. Last minute shoppers tend to spend more as they hunt for the right gift. Wait for sales to make big purchases.
12. Open a Holiday Account
Many banks and credit unions offer a special account. You deposit a set amount every week or month and can only secure the funds around holiday shopping time next year. It won’t help with this year’s budget but next year will be free of money worries.
13. Give Homemade Gifts
Don’t underestimate the value of homemade cookies or candy. A hand knit sweater or scarf is priceless to the recipient. Dust off those craft skills and get busy.
