Christmas story

12 months of Christmas? Holiday tips for money savings provide simple ways to celebrate without all of the holiday stress. Typically, Americans spend an excessive amount of money during the holidays. Most do not have the money to spend. Keep reading for 12 money saving ideas.

If you are like many people feeling the effects of the recession, Christmas is not what it should be this year. When you feel hopeless about Christmas; just have a little faith that everything will fall into place. The following Christmas holiday tips for money savings is designed to save anyone money for 12 months. You can have fun with some while others need more time and attention.

There are a few Christmas holiday tips that require time; beginning in January, you will have a year of money saving time.

Become an entrepreneur. Be creative; there are many ways you can begin a fundraiser for yourself. First, enroll in a training program that will teach you the how to find your niche market.

Open a Christmas savings account. If possible, have a few dollars direct deposited into an account each pay period or monthly. Make sure you do not use the money and the account is not apart of your overdraft protection.

Keep current Christmas lists. How many times have you heard your friends and family tell you what they wish they could have for Christmas? Make a note of it and purchase it on sale.

Reduce, Reuse, and Recycle to make x-mas decorations. Instead of putting the materials in the bins, keep them. Many wonderful crafts can be made by using recycled materials. You can give them away for Christmas presents to the "hard to shop for" people on your list. If you choose, you can use these to fulfill another tip on the list.

During the next four months, there are a four more easy ways to save money. By this time, you should have money from your growing business. You will also find yourself wanting to get out and spend some money. Shopping at second hand shops will save you money and you will find many designer clothes at a fraction of the price. Additionally, you will be helping charities, depending on which shop you chose to frequent. You may find items that can be used for creative homemade Christmas gifts. Although, there are times when specific items cannot be found at secondhand shops; in this case shop discount liquidations, clearance sales, and outlet stores. Do not forget, this is also the best time for the Christmas in July sales.

In the last months of the year, you can work on four more Christmas holiday tips that make everything more special. Start by redefining Christmas or better yet the holiday season. Remind the family of the real reason of the season; it is not about what they receive. With that in mind, adopt a family for the holiday; giving gifts to a family or just a child is always greatly appreciated and feels good too. Be sure to spend time with the family doing quality activities like baking cutout sugar cookies or building a gingerbread house. Lastly, arrange a potluck Christmas dinner party with a Secret Santa gift exchange. Inviting friends and family lessens the cooking responsibilities and food costs for all that attend.

Using money saving ideas is necessary during a recession and anytime there is a lack of money. If you are surprised that becoming an entrepreneur is a way to save money, well, it is a non-traditional way to make money. As an entrepreneur, you will have more money to spend wisely, since saving money is always the forethought during a recession. You will want to find a comprehensive training program so that you have the opportunity to earn money right away. Remember, you need to have faith that everything will fall into place, especially when you follow the 12 months of Christmas holiday tips for money savings.

The Author of this article Matthew Gruenke is a Success Coach & Top Internet Marketing Mentor and Leader in the Home Based Business Industry, who works with other Top Industry Leaders around the world to help others achieve success and wealth through Internet Marketing. I have a passion for helping others achieve their goals, dreams and freedom!

To Learn More About Matt Gruenke & his Team of Top Internet Marketers Matthew Gruenke dot com

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~God Bless you and Your Family~

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There is always a dilemma in our household about whether to dress up or go casual on Christmas day, over the years we've witnessed a variety of styles and fashions, from the hideous xmas jumper trend, through to grunge. My sister-in-laws always go for a glamorous look whereas I've always opted for comfortable but chic. But 2009 is a year of change, with the rise and rise of big and bold necklaces, I've decide to glam it up at the dinner table.

I love the idea of still sneaking in a bit of casual though, so will be doing this with a pair of gorgeous (but stretchy) leggings, paired with a cute little pair of knee length boots (obviously these will be swapped for wellies when we go out for our obligatory forest walk).

I will be teaming all of this with a gorgeous black tunic jumper and then topping it with a big, silver ball cluster necklace, a bit like the one off the 'here come the girls Boots advert' and with an oh-so-on-trend large Murano glass cocktail ring - I think I'll feel glitzy but still in my comfort zone.

So with this in mind, I've also come up with some tips for styling over the Christmas holidays

Christmas eve drinks down the pub - a lovely black polar neck teamed with a silk shift dress with a sexy and modern patent leather belt, thick black tights, ever so high (almost can't walk in them - but good if you are staying put in one place) patent leather shoes. Classic very long silver necklace and a lovely pussy bow hairband.

Boxing day at the relatives - now obviously this will depend on whether you have an annual table tennis competition in your house, or whether general drinks and a catch up is the usual. So for the former (our families choice), a lovely soft long black sweater/tunic with embellished beads around the neckline for added and easy glitz (it also ensures no necklace detachment during a vigorous backhand!), flat and chunky knee high boots. All the rest of the glamour can come in the form of a set of beautiful silver bangles - great for making a distracting noise whilst playing table tennis.

Trip to Panto - a British classic, to take the children and usually a few elderly relatives to shout 'he's behind you' at oddly dressed men-folk in ladies frocks. But style is important wherever you go, so a lovely long military style coat, knee high boots (flat and chunky biker style) deep purple (this seasons hot colour) satin pussy bow shirt and black stretch skirt. A lovely very large amethyst cocktail ring, over-long silver charm necklace to drop at tummy-button level and a cute silver charm bracelet. Don't forget you will need an over-sized handbag to carry everything in so go for Purple patent too.

Pearl and Butler are an online retailer, stocking Murano glass jewellery and other costume jewellery.

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