Tips to spend less this holiday season

I would save these tips for a date closer to the holidays, but these money-saving tips require you to start collecting a few items now.

+ Start saving ribbons and tissue paper to re-package gifts.

+ Look out for wine sales. Most stores offer 10% to 20% off if you buy 12 bottles, but consider trying to talk your way into a discount if you buy 6 or more bottles. Read negotiating tips here. Wine is a great gift around the holidays. Tie a ribbon around the neck and you are ready to go.

+ If you plan to make jam or other homemade treats, start collecting jars and canisters. They don't all have to look alike!

+ Start collecting boxes and receptacles that you can dress up and use to package during the holidays. For example, wrap a plain cardboard box in wrapping paper, stuff it with shredded paper and goodies and bam! Instant gift basket.

+ Start saving shredded paper if you plan to make a lot of gift baskets.