If money is tight, or you're on a limited budget, then consider DIY or used gifts. DIY could be something like baked goods for your friends, family, and neighbors. Plus, if you have children, it's a great activity to do with them during the holidays.

Living a frugal lifestyle gives you the opportunity to invest more money towards your future.

Neighbors don't like it. But my children and their friends enjoy riding around my pond. We're not hurting no one or bothering no one else.

My family talks about it. You know, their friends talk about it and neighbors talk about it ... more humiliating than anything I've ever lived through.

Nothing shatters the relationship between you and your boss like you failing to meet expectations, deadlines, and goals.

Like most successful businesses, you and your employees have a vast knowledge base and expertise in your vertical, as well as a lot of great video and text content to prove it. So, why not monetize your expertise and create digital products and membership courses?