The holidays are here, and that means spending money for most of us. From holiday parties, family gatherings, and exchanging gifts, it can easily become a budget buster. That being said, where there are opportunities to spend, there are just as many opportunities to save. So, I'm opening the floor to the readers to share their own holiday savings tips. What do you do to save? Let's hear it! Your answers may be featured on this site for everybody else to read. Submit your tip now.

I throw change in a jar all year. I have managed to save almost half of what I needed for the Christmas budget painlessly. One year that was the money I used to fill 13 stockings with.