9 budget-friendly housewarming gifts.

So your brother or your BFF will be moving into a new place this year, and plans to stage a barbecue or house party to kick off the novelty of homeownership.

Of course you’d love to mark the occasion with more than a side dish or a six-pack of craft beer, but:

Money’s been tight lately, or

You have a financial goal you’re trying to reach, or

The homeowner-to-be doesn’t expect anything (and maybe even said, “This is a house party, not a gift grab”).

Want to give something unique and useful without torpedoing your budget or putting anyone on the spot? Read on.

The idea for this post came from a reader named Ashley, who commented on “Ode to the junk drawer.” A friend of hers had no junk drawer, so she created a “junk drawer starter kit”: a batch of stuff like key rings, scissors, paper clips, pencils and the like. Then she added a recipe card: “Put in a dark drawer and feed occasionally with loose change and bits of hardware. Very soon you’ll have a full-grown junk drawer.”

Her recipient loved it. And so did I, especially since it suggested a post topic. Here are nine ideas that will cost you a little time or a little money, but not too much of either one.

 

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Christmas creep.

It begins. For the past couple of weeks, at least, I’ve seen lights and ornaments, singing holiday trees, and even a life-sized Santa Claus at a Home Depot entrance.

Yeah, it was kind of cute that he wore an orange HD apron over his red suit, and that the words “St. Nick” were written on the “Hi, I’m…” tag. But for heaven’s sake, it’s not even Halloween yet. What’s with the Christmas creep?

Rhetorical question. The “rush” is that retailers need to make a certain amount of money or they become ex-retailers.

An excellent way to do that is to get people thinking ahead to the Ghost of Christmas Yet To Come. Specifically, to get people thinking about this way ahead of time.

I admit it: Although I’m mostly horrified by the specter of Christmas creep, part of me does derive a certain frisson from those blinky lights on the periphery of the store. Does that mean that dark marketing forces have trained me to think that way? Good grief, I hope not. I much prefer to think it’s because Christmas was quite wonderful when I was a kid.

 

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Big point bonuses at the Swagbucks holiday sale.

Yep, holiday posts two days in a row and it’s not even Black Friday. Before you regard me as part of the problem, let me say that:

I always preach intentional spending during the holidays, and

I regularly suggest ways to spend intentionally, such as using cash-back shopping sites, buying early and paying with discounted gift cards.

Today I’m talking about a fourth intentional-spending category: rewards programs. In this case, that’s shopping through the Swagbucks rewards website.

Right now Swagbucks is offering heightened rewards for buying décor, gifts, special foods, airline tickets and other holiday-related items. A few examples of points (SBs) per dollar spent:

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Holiday news (yes, already).

thI’ve been getting a bunch of holiday-themed press info lately: holiday spending, holiday hassles, holiday tips. Obviously I need to share it with readers.

Here’s a time-sensitive example: Erin Chase of the Grocery Budget Makeover website suggests that you might not want to shop for your Thanksgiving meal just yet.

Sure, all those displays look tempting and “sale” prices are being trumpeted. But they might not be the best prices of the season.

 

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Why I lied to my father, and to you.

thThe first was a misrepresentation and the other a lie of omission. Since May 12 I’ve been on the East Coast, but I couldn’t tell my dad or my readers. To do so would have ruined the surprise 80th birthday party we’d planned.

When he recently asked if I’d be coming back East any time soon, I prevaricated. Since he reads my blog and follows me on Facebook, I couldn’t suggest meet-ups with Surviving & Thriving readers in Manhattan or South Jersey. What, and ruin the surprise?

And it was a surprise, especially since his 80th natal day took place back in March.

 

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Museums On Us: A frugal Mother’s Day out.

thWant a free ticket to the Philadelphia Museum of Art, the Museum of Art and Design, the Contemporary Jewish Museum or the Pennsylvania Academy of the Fine Arts?

You might have that ticket already, if you use a Bank of America/Merrill Lynch credit or debit card, or any card with the BofA logo. The Museums On Us program means gratis admission to 150 museums in 33 states and the District of Columbia.

Bring along that bank card and a photo ID and you’ll get in without paying on the first full weekend each month. Usually that’s Saturday-only, but not always. This year the first full weekend happens to coincide with Mother’s Day. If mom has a card, she’s in; if you have a card but she doesn’t, you’ll wind up paying for one instead of two.

The word “museums” may connote the fine arts. But old still-lifes aren’t the only things that you can see for free.

 

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It’s Superhero Day! What’s your superpower?

thPersonally, I would argue that in the United States just about every day is Superhero Day. Life is an endless stream of movies, TV shows, TV, graphic novels and, of course, “licensed” merchandise from T-shirts to figurines to underpants.

About that last: Recently my daughter weighed in on Twitter and Facebook about the apparent existence of, I swear to God, men’s undergarments bearing the logo of The Flash. “Superhero undies are cool and all, but hey, guys… maybe ‘The Flash’ underwear sends the wrong message?”

My response: “You’d think most guys would go for The Incredible Hulk. (‘You’ll really like me when I’m angry.’)”

But back to today’s celebration: I noticed a funny Facebook item from humorist and standup comedian Michele Wojciechowski. In honor of Superhero Day she decided her own alter ego would be “Wojo Woman.”

“My hair could catch bad guys and tangle them up. I could also send death rays through my eyes … And I could use my humor to make them laugh so hard that they would be totally incapacitated.”

She invited others to chime in, so of course I did.

 

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A head start on Christmas 2016.

thIt begins: Yesterday I bought my first stocking stuffers.

They were in the clearance bin, as stocking stuffers often are: a trio of Crayola scented markers for 17 cents apiece. The markers will go to a flamboyant young relative who’s all about creativity; at age 9, the dude is using YouTube to learn how to knit an infinity scarf.

In years past I’ve hit post-holiday sales to buy the next year’s holiday gifts and even some items for the house. This year I’ve been curiously inert when it comes to bargain-hunting.

The Crayolas may have gotten me off my own mark, however, since I’ve begun to notice yard-sale signs. 

 

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12 ways to spend less on stocking stuffers.

thJust got a press release from a company suggesting “fun and affordable” stocking stuffers. What got my attention was how it defines “affordable”: items under $50.

Um…no. I don’t spend $50 altogether on the stuffers for five stockings. In fact, I generally don’t spend anything at all (more on that in a minute).

On what non-frugal planet is “under $50” considered a low price for a small item? And when did stocking stuffers graduate from candy canes and stickers to things like $50 iTunes cards, Sharper Image six-port USB charging hubs ($29.98) and $30 bottles of perfume?

Little things mean a lot, but they shouldn’t have to cost a lot. Thus I refuse to pay a lot. Here are some ways to save.

 

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A Mother’s Day gift with meaning.

th-1Recently I was quoted in a U.S. News and World Report article about affordable Mother’s Day gifts. My suggestion was, of course, writing-related: Buy her a journal.

A written account of your days on Earth isn’t just a chronicle of the way you work, eat, love, parent, spend, vote and play, however. It can also be:

A safety valve. Write down what happened at work/on that first date/as you walked past a construction site, or risk having your head ’splode.

A historical document. Some day your descendants will be startled that you once earned only $50,000 per year or that you had to hold your phone in your hand in order to communicate. Preserving these memories will add to your family history.

An intimate friend. You can tell your journal anything, although it might be wise to have a stout lock on the thing.

 

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