Shine for the Holidays

Think about gift cards/certificates but don't just go out and buy any card, think about the person who will receive it and keep their interests in mind!

Another great saving tip: Throw all of your loose change into a piggy bank and do not touch it until the holiday seasons starts!

Holiday tip: Buy a refillable credit card and add $5-$10 weekly. You will be surprised how fast it will add up!

Tip of the day: Give out certificates! They can include, a massage, a homecooked meal, babysitting, a house cleaning, etc

Build a gingerbread house to give as a gift. They are fun to bake, put together and to decorate. Have fun with it!!

Great idea, Annabelle!

Now is a great time to look for Christmas decorations at yard sales and thrift stores. Folks are clearing out their basements and their junk can be your treasure!

Check out Dollar stores and thrift stores for ribbons, decoration, etc., now. This way you get a great deal and have your supplies when you need them.

Stock up on picture frames now so you will have them when the holidays come around. Pictures always make a great gift!

Gift tip: Make a beanbag, to make a hand warmer. Use wool or felt material, but instead of filling the bags with beans, fill them with ceramic pie weights. To use these toasty treasures, simply microwave them for a couple of minutes and then slip them in your pockets.