Are you ready to avoid the most costly mistakes in holiday spending?

I'm on a Mission To Help Americans, one frugal footstep at a time, to Get the Most out of Every Dollar Spent, Free Up Money Everyday, and Leverage that Money Into Financial Liberation!

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November, 2009

Table of Contents...

1) A Great low-cost gifts that will create a lasting impression...

2) The Frugal and Fun Solution with Gift Exchanging...

3) The Black Friday Myth...

A Great low-cost gifts that will create a lasting impression...

Personal gifts create a lasting impression and do not have to be expensive.

One gift idea that can be done for most everyone on your list is the "personalized gift book..."

Buy blank journals at any book store (many of them are on clearance), and start writing down a few personal and kind thoughts about that person each day. For instance, if you started three kind thoughts each day, by Christmas you will have over 100 pages of kind thoughts.

These journals can be purchased for under $10 (many times under $5) and you do not need to fill up every page... Simply write on the right hand pages only, leaving the backside blank.

Here are some "subject ideas" you can put in the journal...

1. 100 ways you make me smile...

2. 100 ways you make me laugh...

3. 100 ways you bring light into my life...

4. 100 ways I'm grateful to have you in my life...

5. 100 irresistable things I see in you...

6. 100 reasons I'm happy you're in my life...

By creating a personal gift like this, you have now created a personal gift that reflects on the importance of that person. It's a keeper for life.

The Frugal and Fun Solution with Gift Exchanging...

Gift exchanging is a great way to cut the cost during the holidays. It also has major benefits.

Here's how you can use gift exchanging:

Suggest a gift exchange at work...

Instead of attempting to "guess" who you should be buying gifts for, suggest putting out a memo to co-workers to have a gift exchange with a set dollar value (example: $30).

This saves lots of money and is much more fun than the stress of buying co-workers gifts. It also can add to the fun of gift giving.

Instructions:

Place all the gifts on a table where the gift exchange is taking place.

Cut up small pieces of paper and write down numbers (starting with 1 through the Total Number of participants).

Place the numbers pieces of paper in a bowl.

Have each participant choose a number.

Call of each number in sequence.

The first person chooses a gift from the table.

The second person has a choice of taking the gift from the first person, or choosing a new one from the table.

If the first participant has the gift taken from the other participant, they return to the gift table and choose another gift.

Continue the sequence until all gifts are taken.

After all the gifts are dispersed, each person opens their gift.

Suggest a Gift Exchange for Extended Family Members...

Instead of buying every extended family member a gift, suggest a gift exchange.

This gives every family member an opportunity to receive a nicer gift, rather than many gifts that perhaps end up being exchanged.

The Black Friday Myth...

Comments? Ideas? Feedback? I'd love to hear from you. Just reply to this zine and tell me what you think!