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So many people are strugging this holiday season. You can still be in the holiday spirit and give gifts to your loved ones while on a strict budget. Follow these tips:

1.  Give an IOU

2.  Surprise friends with frequent flier miles

3.  Offer extra privileges to your kids to make up for the gifts you can’t afford to purchase

4.  Give a framed picture of yourself or family

5.  Bake something

6.  Be a chauffer for one night

7.  Knit something special for someone

8.  Offer to baby-sit your friends children for the weekend

There are other ways to make this holiday season joyful and keep your pockets full.  Click here to find out how.