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12 Friday, December 2, 2011CITIZEN’S NEWS

In 2010, holiday spending rose more than five percent from the year before, according to MasterCard AdvisorsTM SpendingPulseTM. That increase surprised forecasters, many of whom predicted holiday spending would decline for the fifth straight year.

With the holiday season on the horizon once again, no one truly knows what con -sumer response will be. But many consumers figure to exercise some restraint this holiday season, sticking to a budget when buying gifts for family and friends. While budgets are good ways to limit spending, a holiday spending budget doesn’t mean shoppers can’t still put a smile on their loved ones’ faces. In fact, with a few tips, holiday shop -pers can stick to their budgets and still enjoy a happy holiday season.

• Get creative. Holiday gifts don’t have to be bought at the local mall or from an online retailer. Gift-givers with unique talents can create their own gifts and save some money along the way. For example, shoppers skilled at woodworking can create a personalized wood carving for a friend or family member. Good at knitting? Knit a scarf, mittens or even a blanket for a loved one who lives in a cold weather region. Such personalized gifts are often especially meaningful to their recipients, who appreciate the time and effort such keepsakes take to create.

• Be patient. Nowadays, many families are so spread out geographically that they don’t always get together on Christmas Day. If that’s the case and you won’t be seeing your family until a few days after Christmas, take

Giving on atight budget

advantage of the special sales offered in the days after the actual holiday. Items are often heavily discounted, and if you can stay patient, your patience might just pay off with substantial savings.

• Establish spending rules with family members before the shopping season begins. In an effort to reduce some of the financial burden of the holiday season, many families have begun to place spending limits on holiday shopping. This saves everyone money and ensures no one finds themselves with substantial debt come the new year.

• Do a gift exchange with family and friends. Many larger families have also begun to do a gift exchange rather than ask -ing members of the family to buy gifts for each and every member of the family. In a gift exchange, each member of the family draws a name out of a hat and then only buys a gift for that specific person. This even has the added benefit of allowing shoppers to buy something a little more expensive for a family member since they aren’t obligated to buy gifts for anyone else.

• Start early. The earlier you begin your holiday shopping, the more you can spread out your spending. This reduces the financial stress of the season while still allowing shop -pers to get something special for everyone on their shopping list.

Holiday spending may or may not increase this holiday season. But savvy shoppers can still make the most of their spending without breaking the bank.

As global economic woes continue, holiday spending remains difficult to predict.

A relatively recent component of holi -day shopping – or any shopping for that matter – is the gift receipt. Keeping gift receipts organized can take a little effort on the part of the shopper to ensure each gift recipient is in possession of their respective receipts.

Gift receipts are advantageous to peo -ple who are receiving presents. Should the item not fit or be a duplicate of something they already have, a gift receipt enables them to return the item effortlessly. It also clearly indicates where the gift was purchased so one is not driving around trying to find the store for a return. Plus, should the item have been recently reduced in price, a gift receipt will allow the full value of the gift

to be received.Returning an item without a receipt

could result in lost value and the sale price being rescinded. Although having a gift receipt will not entitle one to a cash refund, it will equate to a store credit in the amount of the original price pur -chased.

Keeping gift receipts organized may take a little trial and error. One idea is to keep two envelopes and a pen handy when shopping. Write the names of the gift recipients on the master receipt or put their initials beside their purchased items. Place those receipts in one enve -lope where you’ll keep your copies of the receipts. On the gift receipts, write the

Keep gift receipts organizednames for whom the gifts are intended. Place those receipts in the other enve -lope that will hold all gift receipts.

When it comes time to wrap gifts, refer to your gift receipt envelope and match up the receipts to the correct gift. Remember, the gift receipt will not dis -play the price or sometimes even a product description. It will usually only have a bar code that will refer to a UPC, or product number. You may be able to match the receipt to the number on the product tag.

But again, this is why writing the name of the person on the receipt at the time of purchase can make the process easier. Attach the receipt to the gift in some way and wrap.

H. J. BUSHKA & SONSLumber & Millwork Co.550 High Street

Naugatuck, CT 06770203-723-1700

DOZENS OFGIFT IDEAS

TO CHOOSE FROM for thePROFESSIONAL and theDO-IT-YOURSELFER.

• STANLEY TOOLS!• BOSTICH AIR TOOLS!• EDINPURE HEATERS• SNOW RAKES & SHOVELS• ICE MELT

WINDOWS, DOORS & MORE • KITCHEN CABINETS

American Vintage Furniture, LLC

Sunday 11-4 • Monday-Tuesday 10-3 • Wednesday-Saturday 9-5

Conveniently located directly off Route 8. Call for directions.

149 Maple Street, Naugatuck, CT 06770203-723-1823

AMERICA’SCOUNTRY STORE

Country Home Decor & So Much More� A truly outstanding selection of country furniture, lighting, linens and accessories

� Hard to find, rare and truly unique solid wood Amish furniture � Always free gift wrapping� New items arriving daily year round! � Most unique, different and unusual gifts

� The largest and finest collection of country home furnishings to be found anywhere in the northeast �� Curtains � Rugs � Linens � Lighting � Wreaths � Berries

� Candles & Accessories � Amish Black Iron � Lamp Shades � Tables� Chairs � Hutches � Prints � Side Tables

� Bedroom Furniture � Upholstered Furniture � Bachmann Trains

Visit the country store... it’s like walking into your favorite country catalog.

BRIDALL REGISTRYY AVAILABLEBRIDAL REGISTRY AVAILABLE

Onee company,, onee family,, onee stopp shopping!One company, one family, one stop shopping!

Visit:: w w w. a m e r i c a n v i n t a g e f u r n i t u r e . c o mVisit: w w w. a m e r i c a n v i n t a g e f u r n i t u r e . c o m

Casey’s Classic CutsA Full Service Family Salon

Prospect Professional & Business Center44 Waterbury Road • Rt. 69 • Prospect, CT 06712

203-758-3794Mon. & Tues. 9-8 • Wed. & Fri. 9-6

Thurs. 12-8 • Sat. 7-2

Happy Holidays� 10% OFF ALL

GIFT CERTIFICATES� UP TO 20% OFF

ALL RETAIL� TAKE ADVANTAGE OF

OUR SPECIAL HOLIDAYPRICES ON GIFT PACKS& BASKETS IN DECEMBER

Conveniently located in the JVP Building

33 Union City Road Prospect

203-758-6133

Full Service SalonOffering L’Oreal and Nexxus Hair Care Products

Happy Holidaysfrom our staff

Lori,Christine,

Patty,Mary Jo,Amanda

Gift Certificates Available for

Holiday Gift Giving

CITIZEN’S NEWSFriday, December 2, 2011 13

Give the gift of a night out with a

Full Harvest Gift Card.For every $25 Gift Card purchased between

December 1 - December 31, 2011, get a FREE $5 Bonus Card.

It's not too late to book your Holiday Party! Please call for available dates. 203-632-8620

57 South Main Street, Beacon Falls, CT 06403Monday ~ Wednesday 4:30~11:30 PMThursday, Friday and Saturday 11:30AM~1AM

9 4 AA N O R T HH M A I NN S T R E E T ,, B E A C O NN FA L L S ,, C TT 0 6 4 0 39 4 A N O R T H M A I N S T R E E T , B E A C O N FA L L S , C T 0 6 4 0 3 P H O N E 2 0 3 . 7 2 3 . 8 3 7 99 •• FA XX 2 0 3 . 7 2 3 . 8 4 5 7P H O N E 2 0 3 . 7 2 3 . 8 3 7 9 • FA X 2 0 3 . 7 2 3 . 8 4 5 7

B E A C O NN F A L L SS B A K E RYY && D E L II L L C B E A C O NN F A L L SS B A K E RYY && D E L II L L C

HOLIDAY ITEMS � 203-723-8379GINGERBREAD HOUSES DECORATED Large $49.95 Small $30.95 GINGERBREAD HOUSES UNDECORATED Large $29.95 Small $17.95 GINGERBREAD SLEIGHS DECORATED $17.95 GINGERBREAD SLEIGHS UNDECORATED $10.95 ASSORTED CHRISTMAS COOKIES ASSORTED CHRISTMAS COOKIE TRAY DINNER ROLLS LARGE AND SMALL ASSORTED STUFFED BREADS $8.95 $5.95 ASSORTED BOBKA YULE LOGS $25.50 ASSORTED CHRISTMAS CAKES ASSORTED PIES ASSORTED STRIPS $7.50 ASSORTED BREADS, PASTRY, FRUIT CAKE, FRUIT STOLLEN

G I F TG I F T C A R D SC A R D S AVA I L A B L EAVA I L A B L E