Holiday Gift Giving Without Breaking The Bank

<p>"Regarding the holidays and your finances, make a list of who you want to give a gift to and what they would appreciate, while setting realistic spending limits. Make sure your spending does not eat into your savings. You can also go in on gifts with family members. Alternatives to physical gifts include giving your time instead of money, volunteering to babysit or hosting a potluck, and volunteering to give to charity on someone's behalf," says Carrie Schwab-Pomerantz.</p>