12 Last Minute Gifts That Matter

I’m Miriam Neff, and I’m Valerie Neff Hogan, with Wise Women Managing Money.

M We’re encouraging you this season to spend more time, rather than more money on gift giving. 

V You may want to show your loved ones how much they mean to you, but impulse overspending is not the way to do it.  Thoughtful, well-planned gifts are better. Why not buy a beautiful Christmas card and write out 3 of your favorite attributes of that person you love and give examples of when they display those great attributes?  Why not write out some specific Bible verses with God’s promises that address some matters that are very specific to their life?

M Low budget, high impact.  My son and his wife gave me a little booklet of what they loved about me.  Personal, planned, and precious.