It’s Time for Christmas in July - Day 13

Plan and Save for those Service Gifts

DO you give gifts to teachers, day carers, the garbo? Perhaps you like to thank the staff in the Post Office for always being cheerful no matter how long and cranky the queue is or you may have a gift exchange at work or your craft group.

Start saving now, just $2 or $5 a week. While you're saving look around for suitable gifts on sale, on the 'reduced to clear' table or that you can make that will fit within your budget. Search op shops, dollar stores, discount department shops, local markets and even garage sales. With time and ready cash you will be able to find the perfect gift of the garbo and the Post Office staff, and give your child's teacher a gift they'll really love.