Spending less can really help dig you out of a financial hole. Many say it's the best way to save, but you have to keep the pressure on every time you buy. Saving money by spending less isn't brain surgery, but it does take discipline. To get going, highlight the section where you think you have the most potential to save and print it. Or print the entire section and put it out for the whole family to see.
Gifts Give cookies, pies, cakes, breads, etc.
You'll be remembered, and you'll save. Give of yourself. IOUs for services such as child-sitting or yard care are unexpected and always welcome. Shop for next year's gift wrap and holiday cards after the December holidays are over. Give hand-crafted or sewn gifts.