Some Years it is Tough to Be Santa!

This will be a tough year for many families. As I am writing this, I am thinking about the stack of property tax bills on my counter, and also the holiday gifts that my kids want. This may seem like a bad time to think about being frugal, but it is probably one of the best times. So how can I cut some expenses, like holiday gift giving, while sticking to a budget.

A Holday Gift Budget is Important!

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What is Wrong with Gift Cards?

Gift cards seem great. They are convenient because they are easy to wrap and seem to be the perfect gift for the person who has everything. Rather than imposing your own gift choice, why not allow your friend to shop for themselves?

So what are the problems with gift cards?

You are still imposing a choice on your friend if you give a store or restaurant gift card. You may be giving a card to a place where the recipient never shops.

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