Long on Christmas lists but short on cash this year?  What you need are tips, tricks, and Gift Guides to help you save money, right?

“Save money?!” you sneer. “What if we don’t have any money?” 

That, my friend, is a reliable signal that it’s time to get creative. Often the most meaningful gifts and most difficult ones to give are those that cost no money at all.

A gift from the heart is a gift of time and talent. It’s going to require some (all?) of your free time over the next couple of weeks or so, but it sure beats going into debt to buy a bunch of gifts for others—or missing out altogether because you refuse to show up empty-handed.

No one was more creative than my mother-in-law one Christmas years ago. I’d always admired her beautiful crystal, a wedding gift from her parents in 1942. Imagine how stunned I was when she gave it—all of it—to me. My favorite pieces are the water pitcher and cordials. Her gift, which cost nothing in terms of money, was and continues to be priceless to me.

Are you getting the picture? Great. Ahead, 17 thoughtful ways to show someone you care that won’t require spending any cash at all.

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