Money Saving Tip - Holiday Gift Giving
This tip is especially helpful for large families. Although it is fun buying for and receiving from everyone, it can be very expensive. Make an agreement with your family that you will continue to buy for the children but that the adults will go without.
This way the children are not disappointed and you can spend a little more on one or two people rather than spreading your money thin. If you have to, for the adults bake a loaf of their favorite homemade bread or cookies.
A penny saved is a penny earned,
Renee
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