To many, the holidays are a time for being with family and friends. Whether it’s gift giving or hosting a holiday party, many people find themselves reaching deep into their pockets to make the holidays truly great. Use these holiday tips to create a cheerful time that won’t break the bank.

Set a budget

A wise way to have a wonderful holiday is to set up a budget. According to the website CNNMoney.com, a budget is, “the only practical way to get a grip on your spending – and to make sure your money is being used the way you want it to be used.” The best way to have an affordable and financially friendly holiday is to set up a budget based on your own income. There are many free online services, such as Mint.com, that can be used to create a personal budget. Ultimately, the keys to responsible holiday budgeting is to save up in advance, and stick to your plan.

Shop smart

Before you hit the holiday stores, go snooping for significant deals. Many retailers have online websites that allow customers to sign up and receive newsletters and coupons. So go digital, and within a few clicks, you’ll be in-the-know about special holiday sales and discounts.

Also, pay attention to when and where you go. Year-round, customers can find great deals on slightly used items at consignment shops and charitable stores, such as Goodwill or Salvation Army.

Get crafty

Holly Tripp, a teacher from Augusta, shops for the holidays by following the “quality over quantity” mantra. Tripp said, “I try to think of one really special thing for each person, and either buy or make it.” Making gifts can be a challenge, but the joy of giving an affordable, personalized gift may be worth the efforts.

If a person is new to the crafty side of holidays, Tripp suggested to “think of a special skill: knitting, sewing, cooking, making music, building things, and use it. Cruise the Internet for great ideas and try to use things that are around the house or won’t be too expensive to buy.”

Be sure to start early, and plan ahead, because crafts may take a while to complete.

Host “homey” holidays

Crystal Stump, a mother of six from Auburn, often celebrates the holidays at home with her family. To Stump, good holiday memories begin with food. The key to success with homemade food is to confirm the number of guests, and always make more food than needed. Stump said, “Serve fresh veggie platters with homemade tuna, egg, and ham salad sandwiches. Toss in some chips, and you have a Christmas party.”

The holidays are a time for family and friends. Regardless of presents and gifts, the spirit of the season is what people remember most. Before setting the table, or running off to the stores, remember that the best gifts are those filled with love.

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