Saving Money

Family finance tips

At Gerber Life we know the value of a hard-earned dollar. And when you're raising a family, it becomes even more important to stretch that dollar as far as it can go to help you save money. Our family finance tips can help you make smart decisions for spending your money as well as help you make use of opportunities to save it. Whether it's clipping coupons before grocery shopping or throwing a do-it-yourself (DIY) children's birthday party, our family finance tips can help you think outside the box, so that you can put more money into saving.

  1. What to Do if You Receive a Gift You Can’t Use

    Holiday Gift ExchangeOpening presents during the holidays can sometimes be a little awkward. While you’re opening a gift, the giver – and other people who may be in the room – watch expectantly for your reaction. One furrowed brow or downturned lip is a dead giveaway that you don’t care for the gift. Oops! Don’t grimace. Social faux pas.

    Whether the gift pleases you or not, it’s always best to graciously accept the gift and politely thank the gift-giver, including with a hand-written thank-you note sent by snail mail.

    Generally, it’s never a good idea to give back a gift. People give gifts as an expression of love, caring, friendship or appreciation. Turning down a gift can be considered rude, insulting, inconsiderate and bad manners, and complete disregard for the meaning of giving.

    What to do if you receive a gift you can’t use or don’t like? Here’s a quick guide for gift-giving etiquette:

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  2. Homemade Holiday Gifts

    Cookie Recipe JarsThe holidays are a time for giving. Generosity, however, may leave you with an empty wallet as well as a full heart. According to the American Research Group, Inc., the average person spent $801 on holiday shopping in 2013. What’s a good way to keep the spirit of the season when on a tight budget?

    Consider making a homemade holiday gift that can be perfect for next-door neighbors, children’s teachers, or your fourth cousin twice-removed. Here are some low-cost gift ideas:

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  3. How to Be a Financial Role Model for Your Child

    Mother saving money with childNo matter what your financial situation, talking about money can sometimes seem uncomfortable, but it’s important to teach your children financial literacy – and to teach it to them again and again. The best way to teach is by example, so that your children can gain valuable, lifelong lessons.

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  4. For Some Holiday Shoppers, It’s Layaway or Stay Away

    Mother & Son Shopping for Holiday PresentPerhaps more than at any other time of year, the winter holiday season sends consumers into a shopping frenzy. For 2014, the National Retail Federation projects that consumers will spend an estimated $616.9 billion, a 4.1 percent increase over last year.

    Some shoppers will plunk down cold hard cash. Others will swipe their credit card or debit card. What about shoppers who lack any of those means of payment? Well, they aren’t necessarily left out in the cold.

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  5. Unique Gift-wrapping Ideas that Give Back to Your Wallet

    Gifts Wrapped in Recycled Wrapping PaperYou have all of your holiday gifts bought and sorted. Now it’s time to wrap. Will the prospect make you groan or grin? If you’re among the people who tend to panic over prettying up a pile of presents, take heart. You can turn a wrapping marathon into a fun project by making your own gift bags and tags.

    A make-it-yourself approach can also save you big bucks. The cost of holiday wrapping paper, ribbons and tags adds up fast, especially if you have lots of family members and friends on your gift list.

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