Holiday Gift Giving Money Saver

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 with a name exchange.  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.  For the members that you did not pick to exchange with, bake a loaf of their favorite homemade bread or cookies. I have always enjoyed my mom’s homemade cinnamon buns on Christmas morning.