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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    Categories: Saving Money
  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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    Categories: Saving Money
  3. 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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    Categories: Saving Money
  4. DIY Family Photos Made Easy

    Here are some popular photo tips for preparing and capturing fun family moments and other special events this holiday season:

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  5. Six Gifts That Won’t Clutter a Home

    six gift ideas for any occasion

    Winter is approaching and with it comes the season of gift giving. That doesn’t mean you have to give friends and loved ones more “stuff,” however. In fact, giving less “stuff” can mean more to the people on your gift list. Here are some affordable gift ideas for all ages, and which keep on giving and won’t cause clutter: