Discuss costs with your doctor. If you have health insurance, know what it covers and what you will be responsible for paying. Gifts and Contributions Make your own gifts. Set a limit to spend on family members to celebrate holidays and birthdays. Sometimes children's toys, books, and puzzles are still like new when children outgrow them.
Education Use local library services.
Limit magazine subscriptions. Borrow favorite reading materials from the library. If no library is close, exchange magazines with neighbors and friends. Offer services in exchange for private education such as housework for music lessons. Offer services or work out alternative payments for private school fees.