Do you have a holiday list that is larger than your budget? The holidays are not a reason to go into debt, or a time of dread. Here are a few tips on keeping your bank account intact, and still enjoying what is supposed to be a wonderful time of the year.
1. Use your words
You don't need to buy every aunt, uncle, cousin, or friend a gift. Write them a heartfelt card letting them know how much you care for them. The sweetest words letting the recipient know how much they mean to you can have more value than a $10 trinket you picked up at the store. One of my friends writes a letter to all of her friends with words of wisdom from the lessons she has learned throughout the year. I tell you, I look forward to this letter every year, and it is one of my favorite gifts. If you feel that some sort of monetary gift should be attached, donate a feasible sum to a charity and include this deed in the card.(Read more...)