Clutter-less Gift Giving

Let's face it, December is an expensive time of year! This is my first Christmas season as a single mom so needless to say, I've been thinking about the cost of gift giving a bit more this year. I've actually even been considering craft-type gifts for those on my list and trust me, I'm not a craft person. With a little bit of thought, I'm going to try to keep my spending and clutter-giving Christmas to a minimum this year....more

I like the idea of delaying an expense this way but in general I feel a majority of people have ...more