People’s pockets are holding less change these days. Make sure yours jingles all the way into 2009 with these last minute shopping tips, inexpensive gift ideas and other ways to make people feel special on what is supposed to be the happiest day of the year. Spreading holiday cheer should not result in you becoming a scrooge later on when the bills arrives. These tips may actually help you avoid a bill altogether.

Remember, it’s not what you give but that you’re giving at all. Your time is just as valuable as any material gift if not more.

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