8. Get clever with gifts
Gift giving can be a drain on the budget, especially during the holidays or around birthdays. A great way to cut back on the cost is to get creative around giving experiential and/or homemade gifts. Likewise, when you see something on clearance you know would make a great present for someone later in the year, grab it and throw it in a present bin. Even keeping a few generic (but well-priced) gifts on hand is a great way to save some money (and time!).