If you find it difficult to put aside money to purchase gifts for different occasions, you probably pass up on special events just to avoid gift giving. Although you inhibit yourself from spending by doing this, you also miss unforgettable moments with your loved ones and friends. This article will give you some tips on how to save money buying gifts and some gift ideas that will surely get you going in every special gathering or occasion.

Whether it’s your dad’s birthday, Mother’s Day, Father’s Day, Christmas, or your daughter’s graduation, you should never worry about going into debt when you purchase gifts. Remember the following pointers, which are an idea beyond the traditional thinking, “it’s the thought that counts.”

Packaging –
Prevent yourself from purchasing gift bags and wrapping papers. As an alternative, save up all the gift bags and wrapping papers that you’ve received from other people and use them again. You can also try to go eco-friendly by wrapping your gifts up with old newspapers or you can be more creative by making a collage of old photos and use it as gift wrapper. Through these steps, you are not only saving money, but you are also supporting a good cause to save the planet.

Dollar Stores –
There is no point in visiting expensive shops and boutiques for a birthday gift if your budget is limited. You can learn how to save money buying gifts by making your present more personal and sentimental. You can buy an album or a picture frame from a dollar store. Place your favorite photos in it and include a personal letter that recounts what happened in each picture. Your relative, best friend, or special someone will surely be appreciative for the gift’s personal touch.

Dinner Date –
If you want to surprise your special someone, you can cook his or her favorite meal in your home. Set the tables and then light the candles. This absolutely beats splurging lots of money at a fancy restaurant and compensating the server a tip.

Music –
If you are searching for a gift for someone who loves music, you should get in touch with his or her inner deejay by making a personalized CD. Make sure that the album cover features him or her.

Poetry – How about making a poem for your friend, loved ones, or special someone? Even if you are not into poetry, when you begin to think about his or her special qualities and attributes, you’ll definitely come up with a great poem. You can place it in a frame and decorate the frame with his or her photos.

Books – Books are gift ideas that will help you recognize how to save money buying gifts. Bookstores always have sections where they sell books at a bargain cost. For only a few dollars, you’ll be delighted to see the books you can purchase such as dictionaries, former bestsellers, and even how-to and DIY manuals.

In the end, you don’t have to spend a fortune to show your receiver how much you love and appreciate him or her. Check out flyers for discounts and deals, create your own gifts at home, and always remember to reuse gift bags and wrapping papers.

Read our inexpensive Valentine’s ideas!

Related posts

• Saving Money On Your Wedding (0)
• Saving Money On Your Food Budget (2)
• Free E-Book: Thriving On Less (0)
• Using Safer and Homemade Cleaners (10)
• Snowman Dishes, Revisited (7)

Although window coverings are expensive we are generally willing to spend money on them as they fulfill so may purposes in a room, adding warmth and privacy as well as decoration. Rooms simply look unfinished without them. If money is tight you will be wondering how to add effective window treatments without breaking the bank but you can definitely achieve a lot without a huge budget. Here are some ways to save money:-

1. Make Your Own Curtains

You can save a lot of money if you can sew simple straight lines with a sewing machine. If you are inexperienced start with short sill length curtains such as those for kitchen windows and progress to full length curtains for your living room. Choose a light washable cotton fabric for your kitchen curtains and add a heading tape of your choice. If you work neatly and measure accurately you will have no problems at all. Later you can progress to using lining and making fancier items such as window valances and tie backs.

2. Choose Cheaper Fabric

Fabrics vary enormously in price but you can make very effective curtains with simple cream calico or cotton. You can create more effective window treatments by being generous with cheap fabric than you can by creating curtains from expensive fabric where you can not afford enough to create a full effect. You will find that plain fabrics are often cheaper than patterned ones. If you think they are too plain you can always add interest with trimming.

3. Buy Ready-Made Curtains

If you have standard windows you will usually find ready-made curtains work out cheaper than having curtains custom made. Your choice will be more limited but you will usually find something to suit if you check out curtain sites online.

4. Go Simple

It can be enough in a contemporary home to put up simple cream or gray window blinds which you can buy very cheaply. You do not have to get carried away creating elaborate window treatments when “less is more” is often more effective.

5. Add Layers

If you would like elaborate window treatments (and they suit your home) but you can not afford them purchase items over time. For example you could start with a simple blind and then later add dress curtains and then later still a window valance or wooden cornice.

Related posts

• Using Safer and Homemade Cleaners (10)
• Saving Money On Your Food Budget (2)
• No-Waste Holiday Ideas (15)
• Free E-Book: Thriving On Less (0)
• Ways You Can Save Money Each Month (0)

Written by Carol, one of our readers:

We’d all like to save money each month, but how to go about it is another story. Start by making a budget; that scary, imposing, restrictive plan that keeps you in line. Only it doesn’t have to be that way, a budget is really only putting down on paper your priorities and recognizing you absolutely cannot spend more than you make in any given time period. It also, contrary to popular belief, doesn’t have to come together in one sitting, start the first month with just writing down general categories and amounts. Over time you can refine and fill it out more completely. It took us three months to get a good handle on our budget, each month getting more and more detailed, even today we are constantly adjusting the numbers.

Once you know where you money is going it is now time to start trimming the fat. If you look at your monthly expenses, looking to saving $500 it will seem overwhelming and impossible. But what if instead you looked at shaving a few dollars off each item? As we began looking at our budget we decided to go through and renegotiate each item we could. After knocking out the cable and downgrade our cellphone plan – saving $65, reviewing our car insurance and changing our coverage – $25 less and changing our restaurant habits to only twice a week. This all totaled approximately $125 a month in savings. Besides the mortgage payment, food and general merchandise are our biggest expenditures.

Even with the constant coupon clipping and avoiding the pricier groceries stores we couldn’t make the budget numbers and the real world numbers agree. That’s where web surfing finally began to payoff. There are plenty of websites out there that can multiply you efforts. The blogs that track specific stores rewards programs, letting you know what items are free or worth the most rewards points/bucks, will give you an edge. Lots of promotional programs let you trade your name and email address for free samples and /or coupons.

Also look to farmer’s markets and co-ops, we spend $17 every two weeks for $50 worth of fresh fruits and vegetables. Little by little we have shaved almost $200 off our monthly grocery bill.

Try once a week cooking, or once a month cooking if you’re ambitious! There are so many tasty once a week cooking recipes out there that you’re bound to find some that you like.

Due to the fact that we didn’t start our marriage with the financial acumen that we now possess there is a tidy sum sitting on credit card balances. This can be a dangerous lever, waiting to dump us over the edge at a moments notice. We headed it off by finding a low APR, zero interest on balance transfer offer and moved everything we could onto that card. Then we proceeded to cut up our physical cards except for one emergency card and have begun applying the snow ball methodology. The snow ball theory has you paying off the lowest balance card while making minimum monthly payments on the others, as you pay off a card you roll what you had been paying on it into you payment on the next one. With this consolidation we erased about $50 a month in additional interest fees.

Lastly, we began looking at efficiency around the house and in our travel habits. By lowering the thermostat by 3 degrees and running only full loads in the dryer, we cut $15 off the electric bill. Using public transportation and walking for quick trips to the nearby store translated into more than half a tank of gas saved every two weeks; which at today’s price means $50 a month left in our pockets. Together we have identified our spending priorities, changed our spending habits and challenged ourselves to find fun and rewarding ways to save a little bit in each category on our budget. This has tallied up to savings of almost $400 a month, which comes in handy when saving for the next rain day.

Related posts

• Saving Money On Your Food Budget (2)
• Totally Free Samples (2)
• Sign Up For Free Samples (3)
• Get Coupons, Freebies And Deals (9)
• Free Printable Coupons (8)

(click the book to purchase)
In this guide to frugal living, Deborah shows you how to live within your means and enjoy doing it. Among other things, she shows you how to:

* Take the sting out of gift-giving
* Dress well on a budget
* Save on family expenses
* Slash household expenses
* Involve the whole family in saving money
* Save more for the things you want

Frugal Living for Dummiescovers all areas of life with common sense advice and guidance on:

* Working with your partner to achieve financial goals
* Going to the grocery without being taken to the cleaners
* Quick and thrifty cooking techniques
* Providing kids the basics on a tight budget
* Looking good and feeling good on a tight budget
* Frugal holiday fun year round
* Saving money around the house and driveway
* Finding quality in pre-owned merchandise

Packed with tried-and-true techniques for cutting costs, Frugal Living For Dummies is the ultimate financial survival guide for the rest of us.

Related posts

• Saving Money On Your Wedding (0)
• Saving Money On Your Food Budget (2)
• Snowman Dishes, Revisited (7)
• Shopping the Dent And Bent Stores (7)
• Using Safer and Homemade Cleaners (10)

These days, brides are all about saving money, but you don’t have to scrimp on having a fabulous wedding! Check out this video for
cost saving ideas for your ceremony, reception and more. See how top designers are creating gowns to fit brides with all budgets and tips for saving money at your cocktail hour.

Related posts

• Saving Money On Your Food Budget (2)
• How to Save Money Buying Gifts (0)
• Frugal Living for Dummies (7)
• Free E-Book: Thriving On Less (0)
• 50 Tips for Frugal Living (17)

A budget is a tool to help you plan, prioritize, and manage your income and expenses. Review your budget often and update it when you are experiencing a change in income and expenses.

1. Write down your monthly take-home pay. Or if you’re out of work, your unemployment compensation. If you’re in sales – or work on commission – you may have to estimate, since your income may vary from month to month. List income you receive from any source, like a part-time job, a tax refund, gifts, unemployment, public assistance, dividends, and alimony or child support. Add the entries to determine your actual income for that month. Keep in mind, some of these amounts may fluctuate.

2. List how much you deposit in savings each month from your take-home income, even if it’s only a small amount.

3. List your fixed monthly expenses – the predictable, set amounts for the must-have items and services that you pay for each month – like rent or mortgage, car payment, and telephone, cable, or Internet access.

4. List your variable expenses – the amounts that change, as well as the expenses you pay weekly, monthly, quarterly, semi-annually, or every year – like groceries, clothing, haircuts, property taxes, auto and homeowners insurance, and gas and electric.

5. List estimates for once-in-a-while expenses – like birthday and wedding gifts, or holiday gifts and entertainment.

6. Total your fixed and variable expenses and divide by 12 to get a monthly estimate.

7. If after paying your bills and putting money in savings, you still have funds, you can carry over the balance for the next month or use it for unexpected expenses. If this month’s balance is negative, look for ways to cut back on the variable expenses.

Related posts

• Saving Money On Your Wedding (0)
• How To Save Money On Monthly Expenses (0)
• How to Save Money Buying Gifts (0)
• What Can You Do With Salt? (0)
• Ways You Can Save Money Each Month (0)