If money is tight, or you're on a limited budget, then consider DIY or used gifts. DIY could be something like baked goods for your friends, family, and neighbors. Plus, if you have children, it's a great activity to do with them during the holidays.

Always have a plan when you shop. Have your list ready so that you know who you're purchasing gifts for and an estimate on how much you're going to spend.

Procrastination doesn't work for everything. For instance, waiting to buy plane tickets at the last minute will typically end up costing you more.

John Rampton Quotes