great, cheap, last minute giftsAs a professional money-saver, I am of course interested in the ways that people are cutting back this year.  Many who I ask have to think, as if it’s not uppermost in their minds, about what they have given up to save.  When pressed, though, the answers are quite varied, from eating out to smoking!  So the thing is, if you can find out what your friends are putting off,  you’ve can identify the perfect gift.

So Gifting this year is different than before.  It’s the year that gifts are not being as frivolous as before.  This is the year where gifts are most valuable when they make a difference, hopefully to you, and the recipient, and beyond.

That said, here are our ideas for the five of the top gifts that make a difference:

1) Make a donation.  Almost every legitimate charity has a  program where they will notify a recipient that donation has been made in their name.  Some also have gifts and trinkets to sell that accomplish the same thing.  This one is easy — go online or on the phone to make a donation without leaving the sofa.  Some of our personal favorites are the Sabrina Cohen Foundation for Stem Cell Research, The Jessica June Children’s Cancer Foundation, and any organization that brings the Arts to children.

2) Shop at charity sites.  Bidding For Good collects high-end gifts that have been donated to a variety of charities across the country, and offers them for auction to their huge database.  Great place to shop for the person who has everything and wants more, and STILL make a difference.

3) Do you have a friend or family member who has skimped on their healthcare to save money?  This is a serious thing and if it’s affecting someone you know, a picture frame is just not going to do it.  Blue Cross/Blue Shield actually offers a gift card used for premiums.  But if anyone you care about has less than fabulous insurance, you can buy them a check-up, a mammogram or pap smear. There’s just no way to put a value on peace of mind.

4) Take someone shopping.  New clothes and decor are frequently passed over when money is tight, and a day of shopping and friendly advice is worth far more than the cash you spend on a gift card.  And you can be sure your giftee gets something they really want.  Save money on greeting cards by sending an online greeting with your gift message.  Start your free trial at  American Greetings and Blue Mountain to send eCards for every occasion.

5) How about a meal out?  Many of my friends are doing it less, so it could be a gift right on target.  You can buy a gift card with rebate at many restaurants, but even better, Click here for Restaurant.com, buy their $100 gift certificate for $12 (watch for the frequent 80% off promotions; try using shopping code SANTA) and take your friend to lunch or dinner.  If you’re feeling flush and generous, you can also give them a $25 certificate (for another $3) for them to use later on.

Wow, five done and we’ve just begun.  Tune in tomorrow for five more!

Meanwhile, check here for a few more ideas for gifts that give back — to you!

Sharing Holiday GiftsWhen I was younger and worked every Holiday season at an expensive New York gift store, I coined the phrase  ”the one for you and one for me” theory of gift-giving;  that is, if you buy for yourself when buying for others, you won’t be quite as upset when the bills come in in January.  If you played your (gift) cards right, there will be something there for you to enjoy as well.  This year, with so many stores and restaurants giving bonuses up to 50% on their cards, it’s easier than ever.

So, in honor of the 10 shopping days till Xmas, we offer 10 Great Holiday Gifts that give back for 2009:

1)Get a $5 gift card from Amazon when you purchase a magazine subscription as a gift.

2) L.L.Bean: Spend $25 or more in-store or online and receive a free $10 gift card. Deal ends December 24.

3)Marriott: Receive a 10% bonus with the purchase of any $50 or greater gift card. Plus, Marriott Rewards Members and Marriott Visa card holders can receive 10 points for every dollar spent when you enter your Marriott Rewards number on your gift card purchase or pay for your gift card with your Marriott Visa. Deal ends December 31.

4) Fleming’s Prime Steakhouse & Wine Bar: Receive a free $20 gift card with the purchase of every $100 gift card. This applies to all OSI Restaurant Partners including Outback Steakhouse, Bonefish Grill, Carrabba’s, and Roy’s. Deal ends December 31.

5) Morton’s Steakhouse: Receive a free $50 gift card when you purchase a gift card of $300 or more. Or get a free $100 gift card when you purchase a gift card valued at $500 or more. Offer expires December 31.

6) Ruth Chris’ Steakhouse: For every gift card purchase of $250 or more, receive 10% back in bonus cards. Deal ends December 31.

7) Free $5 gift card with $25 gift card purchase at Boston Market.

8 ) CVS Pharmacy will give a $5 rebate for a $25 gift card purchase, with kickbacks up to $30 for larger denominations.

9) Buy a $100 gift card at the Container Store, get a $25 bonus card for yourself, up to five $25 e-cards.

10) Now is the perfect time to join Restaurant.com — and  Take 70% off Restaurant.com $25 Gift Cert. orders! Use code SNOW and Pay $3 thru 12/17/09. Get some for yourself too!

Coming up soon,  some great ways to give a gift that keeps on giving to others.

Meanwhile, for more ideas on discount shopping, click here. Happy Shopping!