Too Big Gift List

The #1 way to spend less money this holiday season is to BUY LESS GIFTS. And it's probably not as hard as you think.

Instead of an office Secret Santa, suggest a group gift to a local charity. You'll contribute less per person, but collectively you'll be helping a good cause.

Suggest sharing a nice meal among friend instead of everyone exchanging gifts.

If you're involved in group activities like a book club or bridge group, forgo gifts this year, or participate in a cookie exchange.