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                      | Thinking of giving your loved one 
                        birthstone jewelry? Here is a list of birthstones: 
 January - Garnet
 February - Light Purple Amethyst
 March - Blue/Green Aquamarine
 April - Diamond
 May - Emerald
 June - Pearl
 July - Ruby
 August - Light Green Peridot
 September - Blue Sapphire
 October - Multi-Color Opal
 November - Golden Topaz
 December - Turquoise or Blue Zircon
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                      | Christmas Gift IdeasCheap Christmas Gift Ideas
 by: Shannon Jarvies
 
 
  Now 
                        that the biggest shopping season of the year is in full 
                        swing it might be a good time to create a holiday budget. 
                        I'm sure there are lots of names on your list, but hopefully 
                        you can find Christmas gifts that won't put a big dent 
                        in your pocketbook. I've come up with a few good ideas 
                        that might help. 
 Make your Own. Everybody loves a homemade gift. It means 
                        that you really put some time and thought into it. You 
                        can make your own bath salts, bubble bath, brownie mixes 
                        and more! Choose an inexpensive jar, add a ribbon and 
                        you've got a really cool gift that didn't cost a fortune. 
                        You can find the recipes to these homemade gifts here: 
                        Pioneerthinking.com And I've got some homemade stocking 
                        stuffer ideas here: money-saving-tips.blogspot.com
 
 It's probably too late to start this idea for this holiday 
                        season but you can plan ahead for the next. After Christmas 
                        is one of the best times to buy Christmas gifts. Almost 
                        everything is marked down-sometimes as much as 50%. So 
                        create a list for next year and hit the shops after Christmas!
 
 If you have a talent share it with others. You could give 
                        "gift certificates to those on your list. Do you 
                        play the piano? Offer free piano lessons. Are you good 
                        with kids? Offer free babysitting for a day. Are you well 
                        organized? Offer to clean someones house. Do you work 
                        on cars? Offer a free oil change. These gifts cost no 
                        money to give but could be some of the most well received 
                        gifts!
 
 You could take the above option a step further buy using 
                        your services to barter for a gift. If your neighbor sells 
                        candles and you would love to get two or three for your 
                        sister-in-law maybe you could barter your services. Offer 
                        her a free night of babysitting. Or maybe there's a gift 
                        in your closet that you recieved last year that you got 
                        one too many of. Offer that to her in exchange for a candle.
 
 Remember the holidays aren't about buying the most expensive 
                        Christmas gifts. They are about sharing traditions and 
                        making memories with those you love.
 
 About The Author
 
 Shannon Jarvies is a WAHM with five beatiful children 
                        and a wonderful husband. Visit her Debt Management Website 
                        for debt consolidation, budgeting and money saving tips 
                        and ideas. You can also join her Money Management Discussion 
                        Group.
 
 consolidationdebtfree.com
 
 shannon@consolidationdebtfree.com
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