The holiday season is quickly approaching (as evidenced by the decorations and Christmas music creeping up in stores everywhere). If you’re on a budget, the holidays can be tough, especially when you have lots of loved ones! Leading up to Christmas, I’ll try to talk about different ideas for frugal gifts. One great place to start is with your imagination and creativity. Most of us haven’t thought about giving homemade gifts since we were young children, but it’s an idea that doesn’t have to go away with age. Homemade, personalized gifts are often more meaningful than anything you could buy. So think about your talents – everyone can create something great. Whether it’s a photo collage, a knit sweater, a handcrafted basket, your gifts will mean a lot to the people you love.