Red sale signs line store aisles, and daily emails arrive in most email boxes advertising online bargains. The race is on to win our dollars. Especially in today’s economy, many are watching the way they spend paychecks. One of our customers has started paying for her purchases with cash, not with check or debit card. She said that habit makes her more aware of exactly how much she is spending. Christmas can bring extra expense to already burdened household budgets, so here are five tips which can help you save money during December.

1. Instead of buying fresh holiday decorations, more tinsel and trinkets, author Leslie Wilson suggests inviting your friends to a Christmas Dcor trading party in your home. Have each guest bring 1-5 decorations that they’ve outgrown or no longer suits their tastes. Each guest gets to exchange their decorations for an equal number of items. Guests can also bring fresh pine boughs or berried holly branches to share. Serve light refreshments. Your friends and neighbors will likely return home full of cheer eager to decorate with their good trades.

2. Explain to your children that each will receive only three gifts, the same number the baby Jesus received.

3. National speaker and parenting expert Trish Berg creates family fun by gathering her children’s Christmas books and wrapping them and placing them in a special spot under their Christmas tree. Each evening, her children take turns selecting a wrapped book. This promotes reading and the children find joy in the unwrapping and discovery, and then the family reads the book together before bedtime. She also packages several library books and sometimes buys a few new books to add to the stash.

4. You’ll spend money during the holiday season for these next two tips, but they will give joy throughout the next year. This season, watch for Nativities on sale, buy up a few and gift those to Christian couples for wedding gifts in the upcoming year.

5. The final tip is for parents and grandparents. At a craft store sale, buy supplies to make Christmas ornaments, but don’t complete the projects. In December write a note on your June calendar page, a reminder that you have the materials. Next summer when children grow weary of the usual outdoor activities, bring out one of the craft projects. If your family completes one project per month, next Christmas season, you’ll have a collection of handmade ornaments that your children can gift to Bible class teachers, scout leaders, and family. Be sure to save a set for your child and you, too.

The Word Quilters, six co-authors, have compiled other time saving and money saving tips in A Scrapbook of Christmas Firsts or check out their blog for further tips at http://scrapbookofchristmasfirsts.blogspot.com/

Cathy Messecar is co-author of A Scrapbook of Christmas Firsts ~ Stories to Warm Your Heart and Tips to Simplify Your Holiday and author of The Stained Glass Pickup. Visit Cathy at www.cathymessecar.com For other December holiday tips visit http://scrapbookofchristmasfirsts.blogspot.com/ or www.christmas-scrapbook.info

No doubt most of us are feeling the effects of the low economy. It is definitely a time for pursuing “save money ideas.” This is especially true for the rapidly approaching Christmas season. With each passing day, our children become more overjoyed with excitement as their favorite time of year approaches. Their Christmas list is filled with the hottest toys, amazing technology gadgets and other thrilling delights.

Numerous people love to give gifts because of the sure joy they receive from giving. They are filled with an overwhelming feeling of joy and contentment when they see the look of pure delight upon a loved one’s face as gifts are opened. Gift giving is made even more special, when you can give someone a fabulous gift and know you benefited from “save money ideas” in the process.

To capture the essence of “save money ideas” for the holiday, all you need is a small amount of preparation, coupled with foresight. Consider these holiday season money tips as a way to help you manage your money wisely this holiday season.

1. Look at your budget and compose your Christmas shopping list. You will need to take some time to reflect upon your list. After you decide upon the names for your gift list, place an estimated amount by each name based upon your budget constraints. Make it a key point not to go over your budget. This is a critical factor in being successful with “save money ideas.”

No doubt, you will sometime run across an item that you would love to give, but the price is not within your budget. When this happens, remember there is always another great gift around the corner for a loved one to enjoy that will meet your budget constraints. Just use your imagination when shopping. Think “outside the box” of gifts you normally give. Sometimes a unique gift ends up being the favorite.

2. Start your Christmas shopping early. Take advantage of the early sales, not to mention escaping the hustle and bustle of packed malls. Shopping online is one of the best “save money ideas” for Christmas shopping. You can find some great bargains online with the added plus of never having to leave your home. This gives you extra time to devote to holiday decorating, entertaining and having fun with family and friends.

3. Plan your food budget. Seems as though each time we go to the grocery store our grocery bill gets bigger. Having a potluck holiday meal is a great way to save on the food bill. If you are the host for this year’s holiday meal, then serve one meat dish. This can be a big saving for your food budget and at the same time most people will not care. With a potluck meal food tends to be bountiful, especially during a holiday. One of the great things about a potluck holiday meal is guests frequently love sharing the recipe of their own special dish they brought to the festivities.

4. Limit your travel. Traveling expenses can easily add up. Try to stay home this Christmas, if possible. If you must travel in order to spend time with loved ones, then pack sandwiches and snacks. This can save with food expenses for the trip. If you are traveling via car, then driving slower will give you better gas mileage. If you need to fly, then be sure to book your flight early to get a good price. This will be a key consideration in your Christmas “save money ideas.