Here is another great frugal idea that makes a lasting impression. It won’t cost much, especially if you are creative. You can adapt this gift to fit your budget. Another way that this gift is very frugal, is that it spreads the cost of a big gift out over the entire year (or six months, if you choose), so you aren’t hit with a big bill. Many ideas that you can include are free or under $10. To make this gift, you basically gather twelve different envelopes, if you are going to do this for the entire year. Or, choose … Continue reading →