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‘Tis the season, and with the holly jolly joy of the holidays, we all know that it can result in a lot of spending, too. Gifts, holiday parties, Secret Santas, cookie exchanges, adopt-a-families, you name it!

This is the time of year to be generous, but it’s also important to keep the gift-giving within your means. Whether you can afford to spend extravagantly for everyone on your list or you are strapped for cash this year and thinking about the DIY route, the key is to create a budget that you can truly afford — and to remember that gifts are about more than money.
It feels wonderful to give, and you can certainly embrace the spirit of giving this Christmas, even on a budget. Here are a few tips to maximize your holiday dollars.