Countdown to Christmas – 11 Money Saving Days to Go

If you have friends or relatives that you want to buy a present for, but don’t really have any ideas – then give them an IOU!

An IOU for your free time, some time to do odd jobs for them, or just visit more often, sit and chat, read a book to a sick or elderly person.

Or make a batch of mince pies, people will love them and admire your culinary skills too.

They’ll love it far more than some tacky plastic stuff that didn’t take much thought to buy or anything they really wanted anyway.

And you’ll not have to spend any cash – great!