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1. Get Collaborative

If money’s been tight all year, your children are likely aware you’ve been trying to cut corners. Get the family together and brainstorm about ways to spend less on gifts. They may enjoy coming up with ways to give their time to teachers, aunts, and cousins instead of store-bought items.

2. Co-host

Just because a function takes place at your house, that doesn’t mean you need to be solely responsible for hosting. Ask your sister to share the responsibilities to cut down on costs. She may appreciate the opportunity to do something together.

3. Barter

Lots of people list items–both used and new–they’re looking to trade on Craigslist. Search through the barter ads or list your own to find holiday presents, decorations, and more.

4. De-clutter

Now is the perfect opportunity the clear your space for a more calming environment. You may be able to earn extra cash by selling those items in a yard sale or online.

5. Share a part of you

Instead of giving away store-bought items, look through the possessions that mean something to you, and give them to your friends and family. Include with each a note that explains why you chose that specific piece of you to share.

6. Let other people off the hook

Make a wish list online for your friends and family that includes inexpensive gifts; or even gifts that don’t cost any money, such as a babysitter for a specific date in January. This allows them to feel they’re giving you something you want without breaking the bank.

7. Use your passion

Do you do what you love for a living? If not, use it now. If you play the guitar, write a song for your significant other.  If you’re a great writer, offer to revamp your friends’ resumes. Why not give the gift of your passion and skills to friends who can use them?

8. Hand deliver holiday notes instead of mailing cards

Your grandmother may prefer a note expressing what she means to you over a card everyone else received with your signature at the bottom.

9. Make a cash daily limit

This one is more practical than meaningful. People often don’t realize how little things add up, particularly when using credit cards. If you commit to only spending what you have in cash in your wallet, you’ll save on impulse buys, like food and decor items.

10. Show your children what matters

Kids will always have wish lists for Santa; but they’ll learn a lot about value by watching you. Don’t just tell them it’s the thought that counts–show them through your interactions with people who give and receive your gifts.