You may find that dollars which are being spent can be diverted elsewhere or saved. By simply keeping track of expenses and income, you can make adjustments necessary to free up money. When you spend money and receive change, take the change and fill up a jar or other container, then use those coins to pay for holiday gifts. Join a holiday club to help save the money needed for holiday spending. Spread purchases out over the year, instead of waiting until the last minute.
Stores offer special promotions and discount prices all year long.
When you find an item you wish to purchase, let your fingers do the walking. Call around for better prices, or the same price at a store closer to your home. Watch for sales, and make purchases at discount prices. But proceed with caution. You must be able to pay the loan off in the allotted time frame, or risk being hit with all of the interest charges that have accrued since the date of purchase.