Holiday gifts that enable others to save

1. HOLIDAY GIFTS THAT ENABLE OTHERS TO SAVE! Welcome, ! Presenter: December 2010

2. Savings Statistics… The U.S. Commerce Department's Bureau of Economic Analysis has estimated that, since April of 2005, the American public has been spending more money than it has earned after taxes--an extraordinary development in the past half century. As recently as the early 1980s, Americans on average had been saving more than 10 percent of their after tax earnings. More than one-in-three (36%) Americans say they often or sometimes spend more than they can afford. Twenty-two percent of U.S. respondents in an ACNielsen study of consumers worldwide said they had no spare cash left after paying for basic expenses. That compares to 17% of consumers in Great Britain and 15% in South Korea and Germany.

4. the best gift of all this holiday Season may be one that helps the recipient save money. Here are a dozen ways to add a little holiday jingle to their pockets all year long.

9. This year give techno friends and family members rechargeable batteries and a charger.

12. Consider giving the movie fan in your life gift certificates to the local movie theater or a movie rental gift card or online movie subscription.

15. They can save on expensive spices and fresh herbs by receiving vegetable or herb seeds and pots for a window or container garden.9. The gift of Herbs…