Money tight? Join the club and check out our annual savings countdown with top tips and advice on how you and your family can have a cheap (but very festive) Christmas on a budget ....

Here are some expert tips for playing "Secret Santa" ....a favorite for company Christmas parties, or among large groups of friends or family, as names are written down on slips of paper and thrown into a hat. As each person draws a name, that's who they will be secretly buying a gift for! But what to get? ....

Check out fun ideas for making your own Christmas wreath to hang upon the door this year, including a complete materials list, instructions and a related list of "Best of the Web" resources for more holiday craft projects ...