4 Unique Valentine’s Gifts Under $15

Valentine’s Day is right around the corner. Luckily, there’s still time to impress your significant other with something clever that won’t drain your wallet. Here are four unique but inexpensive ideas.

“What I love about you” journal

If you want to express your love but you’re not a poet, this sweet little book is for you. Each page contains a fill-in-the-blank entry, such as “I love your taste in _____” or “I love the stories you tell about _____.” The structure prevents writer’s block, while the blanks allow you to customize the book to perfectly suit your partner. You can make it funny, romantic or however you choose. This book also makes a great anniversary gift. Available for $9.95 on Amazon Prime.

Gummy Xs & Os

Trader Joe’s never disappoints, and this Valentine’s Day is no exception. This year, TJ is offering gummy candies shaped in adorable X and O shapes. Packaged in an adorable old fashioned bag design, the gummies are clear, pink and red. Perfect for sharing with your love or playing a yummy game of tic tac toe. Only $2.99 for a 14-oz bag!

Pink Himalayan Salt Massager

Foodies and natural health enthusiasts will love this 6 oz round sphere made from 100% natural raw Himalayan crystal salt. Heat in the microwave or chill in the freezer and use to ease tension. The stones also exfoliate and mineralize the skin, providing healthy magnesium and 84 other minerals and trace elements that alkalize the body. Sold at Urban Outfitters for just $8.00.

Zodiac mug

If your Valentine loves astrology, American Eagle’s zodiac mugs are a perfect gift. Each mug is a generous 22-oz size (that’s larger than a Starbucks venti!) and features a lovely blue and gold constellation design. Inside each mug is a sweet message and it comes in a nice box, too. Get yours for $14.95 at ae.com.

Article Source: Heather Anderson for CUInsight.com

Affordable Holiday Gift Ideas

holiday-shopping-womenWant to buy for everyone on your holiday list, but don’t want to go broke while doing so? Here are some tips to keep your holidays fun yet affordable!

  • Make a list. Many people spend as they go, buying presents when they see them and end up surprised when the bills arrive in January. You can avoid this problem by creating a list in advance of who you plan to buy gifts for, and you should budget for each. Then, check this total against your holiday savings to decide if you need to adjust your spending.
  • Be creative. As you begin your shopping, remember that thoughtfulness really does count. Instead of searching for one expensive present, you may be able to save money, and give the perfect gift, by putting together a number of small items that relate to a loved one’s special interest. Someone who truly loves chocolate, for example, might appreciate a small basket full of treats you’ve chosen for them. Anyone with an interest in sewing or crafts could probably use a gift bag with a fresh stock of supplies for the new year. By putting together a lot of inexpensive items, you may be able to save money and show how much you care.
  • Hit the kitchen. If you are a good cook, or you simply have a foolproof recipe, gifts of food are inexpensive and very popular. Whether you give a mixture of great holiday cookies or your grandmother’s prize-winning banana bread, your friends and family are sure to welcome the effort. In fact, you might not need to cook at all. If you’re fortunate enough to have some great family recipes that have received compliments over the years, write them out on attractive cards and tie them with a festive ribbon. These great gifts will spread the joy of delicious cooking throughout your circle of friends.
  • Good deeds are gifts, too. Many of the people on your list may value a favor done for them more than any expensive present. Couples with young children would probably be delighted if you offer to babysit so they can have some time together. You can surprise a friend with a very busy schedule by promising to do the weekly shopping for a month. Present each recipient with a beautiful card describing the good deed to be performed. Such efforts cost nothing more than a few hours of your time, but they are greatly appreciated.
  • Check your list twice. First, plan and purchase all you need for the lower-cost presents recommended here. Then, when you move on to higher-priced presents, keep an eye out for sales and comparison shop to get the best prices. You may find you can get the items on your list for less.
  • Consult your financial planner. These ideas will help limit your spending during the busy holiday season. Your local financial planner can offer great advice on how to manage your money throughout the year. Be sure to turn to him or her for answers to all your financial questions. Financial planners promote personal and professional financial security all year round. If you would like to set up a no-cost consultation with the Investment & Retirement Center located at First Financial Federal Credit Union to discuss your brokerage, investments, and/or savings goals, contact us at 732.312.1565 or stop in to see us!*

Click here to view the article source.

*Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.