gifts

We are in the midst of what can be the most expensive time of the year. If you don’t want to, or frankly can’t, be paying off Christmas, Hanukkah, or other celebration into next year, here are some tips to make the holidays affordable and memorable. Agree on not exchanging presents. This can be a very difficult discussion to start. Everyone is embarrassed to admit any kind … [Read more...] about 10 Ways to Save Money on Gifts