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Economists warn that Christmas this year will cost at least 20% more than last. With talk of recession increasingly prevalent and the credit crunch biting hard it will come as no surprise that people expect the usual Christmas spirit to be missing. However with a smart approach to shopping, combined with some early planning and a little imagination, Christmas ’08 can be as fun and as enjoyable as ever.

Christmas is a time for families and friends to come together and celebrate the season with gifts and food surrounded by beautiful decorations; not a time to worry about the expense of it all. One way to save money without trimming off the appearance of luxurious excess is by making your own decorations and gifts, rather than buying them. So, while saving money, you can indulge your creativity as well as involve children and grandchildren, nieces and nephews in fun and interactive activities. Children can have hours of fun making beaded angels for the Christmas tree,...

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