this conversation collectively and decide to rotate who buys each family member a present similar to a Secret Santa. For non-family members, you could make a batch of homemade goods as gifts to cut costs. Retail experts estimate that the cost of four dozen chocolate chip cookies might be $4.48 or $0.09 per cookie. Sharing a dozen cookies might reduce the cost of a gift from $25 to $1.12. As a nice side effect, your gift of cookies might be more appreciated.
4. Give gifts that are handmade rather than store bought.
Handmade gifts can be some of the most cherished and also some of the least expensive. This is especially helpful for grandparents who are on a tight retirement budget. Knitting a beautiful cap takes time and love. Writing down family stories could provide the only record of such events. One of my treasured gifts is a book of the poetry my grandfather wrote which was collected after his death by my mother.
5. Shop around for lower-cost options.
When you find an item that you like, do comparison shopping to ensure that you’re getting the best price. The internet makes it easy to do this. Of course, there will be some exceptions, like the one-of-a-kind gifts. But in most cases, retailers and their competitors will offer similar items at varied prices. Also, be sure to take advantage of coupons, discounts, free shipping, and special sales events like Black Friday and Cyber Monday. Good deals are your friend.
These three tips won’t stop you from having a great Christmas, they actually set up for having a great year financially! Have a Merry Christmas without breaking your bank!