Tip #25: Take advantage of discounts and/or incentive programs provided by your employer. –Charles W.
Tip #24: Never purchase expensive items on impulse. Think it over for at least 24 hours. –Michelle F.
Tip #23: Avoid the store card discount trap. Do not sign up for a new credit card in exchange for 10-20% off your purchase. –Jay N.
Tip #22: Don’t take credit cards when you go shopping for holiday items. –Matthew E.
Tip #21: Don’t forget to shop at the dollar store for inexpensive toys, holiday décor and clothing. –Alyssa V.
Tip #20: Search the RetailMeNot App for in-store and online coupons, sales and special offers. –Peggy A.
Tip #19: Hold a cookie exchange. Make only one variety but get a sampling of many. –Joan L.
Tip #18: If you are hosting a holiday meal, ask your guests for help with side dishes and desserts. –Kari P.
Tip #17: Freeze leftovers and bring your lunch to work for 1-2 weeks after the holidays. –Brad W.
Tip #16: Audit your 2014 spending. If you use online banking, this should be easy. Challenge yourself to spend less in 2015. –Brian J.
Tip #15: Try 52 weeks of savings. Week 1 save $1. Week 2 save $2. And so on. By the end of the year save $1,378! –Candi P.
Tip #14: Institute a “Secret Santa” among family or friends. –Cindy N.
Tip #13: Save on your energy bill and improve holiday ambiance by dimming the lights and lighting candles. –Zach B.
Tip #12: Consider sending your annual letter via email or posting it on Facebook. –Julia R.
Tip #11: Try Allrecipes.com Dinner Spinner for your leftovers. This App gives recipe ideas based on ingredients. –Mary T.
Tip #10: Weather-strip your windows and doors for better insulation. –Jack G.
Tip #9: Look around the house for left over wrapping paper, bows, tape, décor, etc. before buying more. –Norma S.
Tip #8: Track every cent you spend for a month. Then cut back your spending on items outside of your budget! –Lynn B.
Tip #7: Direct Deposit into a Christmas Club account. –Betty Z.
Tip #6: Set up auto-transfer(s) from your checking to savings account after every payroll period. –Lindsey P.
Tip #5: Consider “do-it-yourself” gifts like candles, snow globes, coasters, mittens or blankets. –Brittany L.
Tip #4: Check your community calendar for free holiday concerts and festivals. –Ralph S.
Tip #3: Give gifts of your time rather than buy gifts. –Anonymous
Tip #2: Save spare change in bottles that allow it in but can’t dump it out. Never spend your spare change. –Pamela K.
Tip #1: Avoid impulse purchases―Make a list and stick to it! –Gwen M.
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