You don’t have to spend a lot of money to give great gifts. Here are some inexpensive—and fun—gifts to create for friends and family…

• Have a family photo taken and framed.
• Create a book of your favorite recipes.
• Learn a craft, such as knitting, and make gifts by hand.
• Create gift baskets containing small items that each recipient especially values or enjoys.
• Give an heirloom or family treasure to someone in the next generation.
• Put together an album of old family photos.
• Give everyone an experience, such as dinner together, a movie, or a reading night for grandchildren.

Mary Hunt, editor, Debt-Proof Living, Paramount, California, www.debtproofliving.com