With holiday shopping upon us, I’ve devised a list of 10 almost-no-money gift ideas for the whole family this holiday season. These tips, which I will share one at a time over the next few days, will help you keep spending to a minimum, while still offering your loved ones gifts to be treasured. Best of all, you’ll set a good example for your kids on how to give at the holidays without overspending or taking on any credit card debt.  You may have seen this list already at savvymoney.com.  So click here if you’d like to see the full list all at once.

Tip #1:  Make it…
Use only what you have at home. We all know that we have enough leftover craft stuff to last us a lifetime. Make a game of finding everything you have and bring it all into the kitchen and then start making a few homemade gifts for those you love. Grandparents especially love this kind of gift. Go ahead, make their day!