I also don't have as much money as I feel that I should, which makes shopping for gifts that much more complicated.

My favorite on this list is the sweater tote bag. I have about a million sweaters that I never wear that are begging to be transformed into something useful.

On the other hand, not everyone on my list would appreciate a sweater tote. (It wouldn't go with a thing my Dad wears, for example.) So while I have the time to put a little money aside, I think I'll make an actual budget for holiday spending. Revolutionary!