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What are your tips for a frugal holiday season?
Thu Nov 20, 2008
- First I made a seperate envelope for everyone I need to buy for, including the kids.  I cashed in change I had been saving, as well as money I made from a garage sale this past fall.  In each envelope I put the money allotted for each recipient (cut back on everyone this …

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ddadj - I think your idea is wonderful. My intention this year was to cut back on the gifts I give to my three grown children and even though I did not buy as much as I have in previous years, I still spent more than I wanted to. Your idea about creating separate envelopes for each person that you are buying for is great! I am finished with buying for this Christmas season, but will use your idea for next year. I plan on making my envelopes today!
— Deborah-768881