Why don't we thing about how creative we can get with Gift Giving this year. Let us put our hard earned money to good use.
There is a great article about paying a months bill for your child's student loan. What a great idea.
What about those grand kids you love so dearly; how about opening up a savings account for them and then for each Birthday or occasion you keep putting money in it. Make sure they cannot touch it until they are a certain age, and make sure the co-signer is someone you would put in charge of your own money.