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Christmas Gifts

Christmas Gifts

Cash feels like a cheap, impersonal gift, so why not give a gift that will keep on giving instead. All of us are afraid that we're wasting our money on a gift that is just going to sit around, or get thrown out. Because of the recent downturn of the economy, now is the time to buy Christmas gifts that are going to last. There are alternatives to manage the problem that may ultimately prove to be more beneficial than you would expect and the effects can be long-lasting positive.

1. Vouchers: Vouchers are a great gift to give as a substitute for cash. Vouchers are available at a number of different places -- gas stations, grocery stores, pharmacies -- making it a very versatile gift idea. Vouchers are often available through loyalty programs which results in little or no waste.

2. Credit Card Payment: If you know the full balance isn't being paid off each month, even a partial payment will help pay down the interest. The financial damage this will cause is much higher than the interest that will occur. Interest rates on credit cards are outrageously steep. A small amount like fifty dollars, paid on a credit card account as a gift, can result in saving ten dollars of interest over a year. After Christmas this is the gift that keeps on giving.

3. Making a charitable donation: For the person who has everything, donating money to a charity in his or her name is a wonderful gift idea. If you're looking to qualify for a tax break, try giving cash donations. You might also think about being charitable this Christmas, giving to those who are less fortunate.

4. Livestock: Buy livestock as a gift, considering it's something that will keep giving back to a person over time. World Vision has had a gift program for many years now where you can choose to buy either a goat or a chicken. It is even possible to purchase fruit trees or seeds. This gift is one that will never stop giving, and will be an amazing piece of your property.

5. Education Tools: People in different situations can appreciate any number of a huge selection of books on finances. Almost any idea that you can pass on is likely to help, ideas like paying off mortgages, budgets and finances, investing or teaching children about money are all great. Give gifts that can help people manage their finances, like software programs for adults, and money handling games for children. The gift of control over your own financial future is a gift you'll benefit from for years to come.

There is an assortment of creative gift ideas, which can keep on giving long after this Christmas. They might not be flashy gifts, but they are effective and caring.

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