6 low-cost ways to save on holiday gifts

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It’s never too early to start preparing for the holidays.

“Now is the time to think about who is on your gift list this year,” says Kevin Gallegos, vice president of Phoenix operations for Freedom Debt Relief LLC. “Then build your budget around that list.”

Without a budget, you’re apt to spend more than you want to and if you use credit, you could end up paying for those gifts well into next year.

To help you spend less this year but still give quality presents, here are some tips that might give you some direction and help you save money on holiday gifts.