
I realize it’s only… umm… spring, but a great way to save money this Christmas is to plan ahead! Start thinking about what gifts you’d like to give, use the toy coupons that are available now & pair them with a great sale, and why not put a few things on layaway?
What creative, frugal gifts will you be giving this season?
I try to hold myself accountable each holiday and stay within my shopping budget while still getting thoughtful gifts for my family and friends. Every year, I designate a page in my planner (yes, it’s paper…) to write down gift ideas for those I buy for. Having a buying plan helps me shop throughout the year and avoid over-spending at the last minute. Along with store-bought gifts, I like to include a handmade item, too.
Have you considered layaway as an alternative to using credit cards?
If you’ll pay with cash, even better, right? Last year, we saw a lot of stores participating in layaway programs including: Marshalls, TJ Maxx, Toys R Us, and Kmart. Apparently, not every single location of these stores participate, so call ahead. Do you know of any other stores offering layaway? Does it help your budget by spreading your spending throughout the year rather than just spending during the holiday rush?
Buy gifts made in your state or support the creative-types on Etsy.
Support your local economy and buy gifts made in your state! There are resources for Michigan shoppers in my “Buy Michigan Now” post.
Etsy is an amazing source of creative gifts and inspiration! Take some time to explore and get gift ideas!
Here are a few of my favorites to get you started:
What are your strategies for staying within your holiday shopping budget?






