Gifts From the Heart: Sometimes the nicest holiday gifts don't cost a penny! (Money and You).

Since the tragic events of September 11, Americans have done many things--big and small--to show how much they care. With the holidays approaching, you may wish to buy a special gift for a friend or family member to let them know how important they are to you.

Sometimes, the best gifts take more thought and time than money. Does an elderly relative live in your area? Instead of buying him or her new gloves or slippers, why not hand-deliver homemade cookies? Or put together a memory book. Fill it with photos and stories that recall fun times the two of you have enjoyed.

If your mom or dad seems stressed, offer to help with chores, or to baby-sit for a younger sister or brother.

By finding creative ways to give gifts, you can save money and cut down on your visits to the local mall.

First, Make a Budget

Before you head out to the stores--or go online to do your shopping--follow these simple steps:

1. Prepare a budget. Decide how much money you can spend.

2. Make a list of the gifts you will buy and calculate how much each one should cost.

While shopping, keep track of the amount you spend. This will help you stay within your budget. If a sale enables you to save money on a gift, you may want to add the savings to other gifts.

Helpful Tips

The following tips may also prove helpful when you're cruising the aisles of the local stores:

* Discipline yourself. Shop with a trusted adult rather than with friends who might distract you.

* Be practical. If your brother wants a new basketball, don't buy him a croquet set instead.

* Avoid the rush. Shop early so that you avoid buying under pressure.

* Have fun! Don't shop when you're feeling down or stressed out. You'll only end up buying for yourself!