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Be Smarter
this Holiday Season
 
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You decide how much you are
willing to spend based on what
you can afford.
 
 
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If you have a large family, try the
Secret Santa method for gifts
Buying only one gift will relieve some financial burden, and can be a fun new tradition.
 
 
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1. There are all kinds of ideas for
on a budget presents that you can make yourself for family and friends.

2. You can always bake inexpensive cookies.
 
 
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Honoring another person is the perfect gift.
Consider donating to one of these tax
deductible organizations.
 
 
 
 
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https://www.smu.edu/Perkins/Admission/Affording-
Seminary/Financial-Literacy