Are you crafty? Consider making something for friends and family this holiday season instead of spending money on a gift your intended recipient may not want. You won't be alone: In 2009, Holiday Consumer Intentions and Actions Survey conducted by the National Retail Federation, reported that almost 17 percent of Americans plan to make more holiday gifts this year than in previous seasons.
Think creatively and put your skills to use. If people love your ginger-rum Bundt cake, whip up a few for your sweet-toothed friends. If arts or crafts are more your thing, try knitting, painting or scrapbook-making personal gifts for your loved ones.