It's not too early to start thinking of the holidays. They will be here before you know it and if you don't plan ahead, you could find yourself overspending, stressed out and even getting into debt. So read on, and consider one of the following three options for those on your holiday list this year:

1. Consider giving a service gift. Most of us have more junk and more stuff than we need. Our closets are stuffed full. We need to build on to our homes to make room for our things. The cars have to be parked outside, as the garage is too full. The last thing most of us really need is "more stuff." Maybe, just maybe, the people you are giving gifts to might be in the same boat. Here are some service gift ideas: Certificate to a hair salon for a manicure, pedicure or haircut. Certificate to a day spa, facial, or massage. Who wouldn't like something like that? Additional options are certificates to a restaurant, car wash, yard or housekeeping service. The list could go on and on. These types of gifts show a little more thought than just giving cash. Best of all, you won't be contributing to anyone's clutter.

2. The next idea is for those hard to please people on your list who like "stuff". Consider giving them a Gift Certificate to their favorite shopping store. Not only will they be able to get MORE for their money because of all the post holiday sales, but they will be able to the exact color, size or model that appeals to them. This has multiple benefits as it can relieve much of your stress, the recipient can get exactly what they like and your gift will go further with all the great coupons and discounts that seem to come later.

3. Lastly, try giving theme gifts that you design. If you have a golf lover in the family, make a cute basket with golf accessories, a subscription to a golf magazine and some homemade cookies decorated as golf balls. Or how about a basket to take care of one's automobile such as cleaners, car wash coupons, car cookies or whatever else you can come up with. The ideas are unlimited and can include any amount of items to fit your budget.

I do hope these ideas have given you something new to try for the holidays and for your gift giving dilemmas. Be sure and take time to enjoy your families, spend time with loved ones, and remember the important things in life.

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Doris Dobkins is a money saving expert, author and speaker and has helped thousands of people find ways to save money and get out of debt.

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