Ten Ways to Get More from Your Salary this Holiday Season

'Yankee swap' or gift exchange

Focus most of your gift-giving expenditure on the kids in your life and consider setting up a gift exchange for adults. Each participant brings a wrapped, unmarked gift and places it in a designated area. Guests are assigned a number or their names are randomly drawn. Then they select and un-wrap gifts from the pile in the pre-determined order. Set a dollar limit and choose a theme to make it more interesting. This idea is easy on the wallet and focuses the attention on being together rather than the gifts themselves.