Below are the top 5 tips to save you hundreds on your gifts every year.

5. The Home Spa Treatment

For a spouse, loved one or family member, treat them to a great spa treatment at home, such as a massage and facial. Use lotions & items found at home and this gift idea will cost you nothing yet is easily worth over $100. As an added touch, give a homemade gift certificate announcing your massage and facial.

4. Use Great Coupons

You'll be able to find valuable coupons in magazines, newspapers, and even online. To find coupons online, try typing "Free Printable Coupons" into a search engine. Using coupons worth $20 per week on groceries saves more than $1000 per year. Apply this tip to your gift-buying and get even more of the savings pie!

Bonus tip: You can receive periodic 20% discount offers for any one thing storewide at Bed Bath and Beyond stores or on their website.

3. Give Personalized Cards

A homemade, personalized card (or letter) is much more special than a store-bought one. And

with cards costing $3- $5 each, this one idea can save you a sizeable amount of money

throughout every year.

2. Keep Off-Season Bargains On-Hand

Keep bargains you may find during the off-season or throughout the year on-hand for when a gift need arises. Then, you will not only be prepared but you will also save a good amount of

money in the process!

And The #1 Tip To Save Money On Your Gifts Is...

1. The Great American Gift Bag

A gift bag filled with a few un-wrapped items and some quality tissue paper is the ultimate money (and time-saving) gift idea. You can pick up all the items at a local discount or dollar store for around $5 and it looks so much more valuable!

For a woman, fill the gift bag with a great candle, picture frame, and bag of potpourri. Or for any person or occasion, fill your bag

with a dvd, a bag of popcorn and a can of peanuts! Your recipients and your wallet are sure to thank you.

With just these few tips you can bring your gift costs down substantially. And as an added bonus, because you'll be prepared and won't feel financially strapped, you'll be able to really enjoy the occasion!