I have $15.00 in quarters, and I have some gifts already found. My sister decluttered and gave the stuff to me, so I found some gifts for my DH's side of the family free! Also bought a folk music CD for $.50 at a garage sale (still in the wrap) for my BIL who will appreciate it! My new game plan is to save as much money as possible (still looking for bargains along the way) and shop on Black Friday. There really are a lot of good deals then, and sometimes I have already filled my Christmas list and can't take advantage.

M