smart spending

Great holiday gifts for $10 or less

Great memories
Great memories

USB drives are multimedia tools, and you can use them for photos, music or a slideshow.

"Download photos from times you spend with these people and wrap that in a fabulous box," Lowell says. You can include things such as songs you all love, pictures of the last vacation you spent together, or whatever would be fun and meaningful.

Or give them one great photo, Lowell says. "Most of us take pictures with our smartphones, and they stay on our smartphones."

So select one good shot of your recipient and crop it on your computer. You can even render it in black and white for an artsy look, he says. Then print it and put it in a frame with matting.

"Who doesn't want a photo of themselves looking fabulous or their family looking great?" Lowell says.

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