13 Ways to Save Money on Holiday Gifts

Black Friday may be the day retailers start turning a profit, but for shoppers it can be the day budgets starts plunging into the red. Still, with careful planning and some creativity, you can avoid the chest pains that so often come in January when you open your bills. And cutting down on holiday spending doesn’t mean you have to cut down on the holiday fun—not with our 13 savvy tips.

1. Create and stick to a budget. Avoid surprises with a holiday budget that includes everything involved in celebrating the holidays, not just your gift list. Consider the cost of attend parties, making or attend holiday dinners, shopping expeditions, lunches with friends, etc…
   
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