Black Friday and Cyber Monday have come and gone, but if you are anything like me, you missed the biggest sale days of the year.

Like millions of us, we start to question, “how do I give great gifts without killing the budget?” Do we scour every department store and website for the best deals, or do we pay full price?

After racking our brains on how not to rack up debt or go broke in the process, the FREC team came up with a few ideas.

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Download A Money Saving App

Apps like Acorns and Stash rounds up the change you spend and invest it in the stock market. Also, you can set up automatic withdrawals each week or month to invest. If that’s too high-tech, you can always save up to 20 percent of your earnings and put it into a separate account that you refuse to pinch off of.

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Sell New And Used Items

Using old items to fund a new holiday sounds like a win-win situation. People are creating profiles on Poshmark, Facebook Market Place and eBay to sell new, used and handcrafted items. This serves as a dual purpose: make quick money and clear out space from unused items. This is a go-to for any savvy shopper.

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Give Sentimental And Handmade Gifts

Gift cards are nice, but they are not personal. You don’t have to put much thought into it. Sometimes, the ones you love would prefer a gift from the heart. Decorate a photo album and fill it with special memories throughout the years. Make their favorite dessert or dish. Personalize an item or piece of clothing for them. This will last long after the gift card is spent. Remember- talent is mandatory…just kidding!

Photo: Giphy

HAPPY HOLIDAYS!

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Kyla Heat

Kyla’s family and friends describe her as a walking Encyclopedia when it comes to everything pop culture, beauty, fitness and fashion. Kyla knew she wanted to be a writer when she began writing short stories and poems for her family. A true Michigander at heart, Kyla graduated from Wayne State University with a degree in journalism and attended Specs Howard School of Media Arts. Along the way, she has interviewed everyone from, Idris Elba, Kerry Washington, Jack Kevorkian, Robert Kennedy Jr., Joel Osteen, Russell Simmons and Wiz Khalifa. After a stint working at a psychic shop and producing shows for an all talk radio station on iHeartRadio, Kyla landed at The Detroit News, working as an editorial assistant and reporter. She worked at PBS Detroit, as a social media manager before joining the Urban Content Studios team. When she is not writing, Kyla likes to spend time with family, shop and compete in fitness bikini competitions.

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