Give the Gift of Service

Sometimes the greatest gift you can give to others is service. If you spend three hours a week reading to a child, that child is twice as likely to score in the top 25% in reading. If you work to secure food donations for a local soup kitchen or food bank, you are directly providing meals to hungry individuals. Find volunteer opportunities in your area or create your own and recruit others.

Celebrate on a Budget

The holidays can be expensive, but you don't have to break the bank to celebrate. Taking a few minutes now to plan your holiday spending cound help you avoid taking on debt. Start by creating a holiday spending plan, keep track of what you spend, avoid impulse purchases, and leave the credit cards at home.