smart spending

6 low-cost ways to save on holiday gifts

Make a gesture
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Make a gesture
Make a gesture

Although giving baked cookies or homemade candy during the holidays may be considered old-fashioned, knowing you took the time and effort to make something can mean a lot, Gallegos says.

You also can take advantage of technology by making a video of your family singing a Christmas carol or your children performing a play.

When you make a video, create a photo calendar or put together a scrapbook for friends or family, everyone benefits. Your family joins together to work on a project, and the recipient gets years of enjoyment from your gift.

"These handmade gifts, specific and unique to the recipient, are priceless," Gallegos says.

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