'Tis the season for holiday savings

No money? No problem! Spread joy this holiday season―without breaking the bank!

Give gifts they'll love―and stay on budget!

Stuck on present ideas? Here are some cool suggestions that won't cost you a bundle

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Make a timely gift. Instead of buying something at a store, offer to take down and pack up decorations, babysit or make dinner for a loved one. In the aftermath of holiday madness, people love getting help with those time-consuming tasks. Or arrange to spend some time together: Take a friend out for lunch, or pick up the tab for theater tickets.

Pinpoint hobbies. If there's a movie buff on your list, write down a checklist of past Best Picture Oscar winners (www.oscars.org) or copy one of the American Film Institute's top 100 movie lists (www.afi.com). Include a gift certificate to a video rental store. Does your best friend love to cook? Make a personalized recipe book. Gather recipes from magazines or Web sites she likes and buy a pretty book to paste them in.

Personalize it. Add a customized touch to your gifts. For a wine lover, buy an easy-to-use etching kit from a craft store and engrave your aunt's name, for example, on wine glasses. Stitch colored ribbon and her initials (or use iron-on lettering) on a set of hand towels for a lovely, practical gift.

Wrap up fun photos. Print your favorite candid photos of friends and relatives and put them in decorative frames. Or create an album: ask family members to contribute personal photos and handwritten notes.

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