Dear Readers: We are always looking to save money, but the holiday season can be particularly challenging. We want the best for our families, but how can we give without breaking the bank?
We face a lot of pressure: TV commercials tell us to spend, spend, spend; kids and grands want what they want; if someone gives you a gift, you feel like you have to reciprocate.
Just hold the phone. Before spending anything, sit down, take a hard look at your finances, and create a budget. This will protect you from overspending. And think about starting a savings plan for next year.
Giving a gift doesn't automatically mean shelling out money, anyway. A homemade batch of cookies is a thoughtful and cheap gift.
At the office, a Secret Santa gift exchange works well - set a limit of, say, $20. You may have accumulated cash-back points on your credit card; use them now.
And as for the kids, your time is perhaps the best gift you can give. - Heloise
Closet Culture
Dear Heloise: I record and post videos online, and I've discovered the sound quality is better in my closet, plus I can get privacy! - Brayden D. via email
Wrap It Up!
Dear Readers: One of my favorite classic hints is cool again! And that hint is: wrapping small gifts in sheet music, colorful old road maps, old letters and the Sunday comics.
Repurposing these papers will save paper, money and trees! - Heloise
King Features Syndicate