- Establish an annual gift budget in addition to your annual household budget. Set up a separate debit card account that you can deposit into regularly throughout the year so you can snag up great bargains when you see them without the guilt or stress!
- Eliminate the evidence! Never put boxes that contained high ticket items out for the trash. Doing so is an invitation to get robbed! Either break the boxes down or take them to a dumpster off-site to ensure your family safety.
- Snag up on the post holiday sales right now and get your pick of holiday cards, wrapping, bags, and decor at a minimum of 50% off. Selection is best right now, so stock up now on red, silver, and gold wrapping, bags and tags that are multi-seasonal and can be used for all occasion gift giving.
- Use gift cards from obscure shops and retailers ASAP just in case they close their doors in 2009. I wouldn't worry too much about the bigger retail chains, but play it safe and use the cards and treat yourself to a shopping spree now!
- Organize your gift closet. Clean out the gifts that you know you'll never give, including some of the awful gifts that you may have received this year that didn't come with a gift receipt. Donate them to your favorite charity or Goodwill store. Make room for up to date and dazzling items that you find on the clearance racks now for great gift giving later.
- Send Happy New Year Cards to folks who didn't make your holiday gift list. Surprise them with a heartfelt 2009 greeting.
- Never overlook sending "thank you" notes to relatives who may have sent you a long-distance gift. Better yet, call and thank them personally!
I wish all of you a fantastic 2009 filled with much love, generosity and gratitude! And as always, happy giving!







