Don't feel that you need to go out and spend hundreds of dollars on your children to create a "magical" Christmas. Spend what you are comfortable spending and within the limits of what you can afford. Here are some of my favorite frugal gifts for kids.

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If you are concerned about spending a lot on gifts this year, one of your gift giving strategies can be to use layaway.

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With the financial scare, and a renewed focus on saving and responsible finances, many consumers began looking for ways to pay off debt and reduce their credit card debt. As a result, many retailers began offering layaway plans again.

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Part of the fun with Christmas is looking in the stocking. There usually isn’t anything fancy in a stocking, but there are usually a few fun things to pull out. Here are some stocking stuffer ideas.

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Some parents are putting off Christmas until January. Tight budgets are back in vogue, and many parents are just waiting until the after Christmas sales in order to buy their gifts.

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