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Debt consolidation can lower monthly payments to put more money back in your pockets.
Schedule one night a week that the whole family plays a game. If you have young children, break out Candy Land, Chutes and Ladders, or a deck of cards and play "Go Fish." If you have older children, they may be interested in Gin Rummy, Scrabble, or Pictionary. Take turns letting family members choose the game. A simple game can provide hours of entertainment and you'll save on electricity by giving the TV a rest!
If you are visiting a family that you usually exchange gifts with this holiday season, consider one present the whole family can enjoy instead of a bunch of individual gifts. A board game, or croquet set is something the whole family can enjoy together, and is less expensive than several individual gifts.
When buying meat at the grocery store, look for "family packs" or "value packs". These bundles of beef cost less per pound and you can divide the meat up and freeze what you don't use right away.
A nice family photo or updated photo of your child or children always makes a nice gift for grandparents or hard-to-buy-for relatives. Place the picture in a reasonably priced frame for a tasteful finish.
An inexpensive activity for the whole family during the Holidays is to create a Holiday book. Agree on a rough story line and then have each family member contribute a chapter or two. The results can be hilarious, it doesn't cost anything and you'll have a keepsake that you can share as a gift with grandparents and other relatives.