Are you still paying off the bills from last year’s holiday merriment? These tips prove that you don’t need to let money (or lack thereof) get in the way of the holiday spirit!

• Did you know that retailers make billions of dollars a year on unused gift cards and 25 percent of holiday gift card recipients admit they haven’t yet spent last year’s gift card? Give cash instead.

• If you have trouble with impulse-buying, skip Black Friday and trade it in for Cyber Monday. Save money from the comfort of your living room, without getting caught up in the frenzy.