10 FREE (but Thoughtful) Christmas Gift Ideas

Family Balance Sheet

Are you a knitter, crafter or do you know how to use a sewing machine? Maybe you are a crafter/knitter/crocheter with a stash of supplies? If you’re giving a non-tangible gift, like lessons or services, create a certificate or coupon on the computer to make the gift extra special. Gifts must be expensive and store bought—-SAID NO ONE, EVER!