Christmas is just a few short months away!  Now is the best time to get started on saving!  The past 4 years, we were able to pay for Christmas and have our best Christmas ever, without spending any money out of our budget!  We already are well on our way to save for Christmas 2014.

Something that my family has always battled with has been trying to afford Christmas presents. It always seems that the holiday season arrives in the midst of chaos, leaving us scrounging around the sofa cushions trying to find money to buy presents for the 4 kids. This year, I have determined that we will not spend one cent buying Christmas presents, but that we will still have an awesome Christmas.

Already, I have over $100 in our Christmas fund from just Opinion Outpost. Opinion Outpost pays CASH for surveys that you complete. You can also refer your friends and get $2 for every friend that you refer! The money adds up quickly and painlessly!

I also am able to earn giftcards and cash from these other survey sites. My recommendation is to join all of them because when you are a member of all, you’re Christmas fund will grow a whole lot faster! Some of them, you’ll even be invited to do product studies. We’ve given our feedback and made money reviewing toothpaste, dog treats, baby wipes, fruit snacks, and more!

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I am also big on Swagbucks. Swagbucks is a fantastic program. You earn swagbucks from searches that you do using Swagbucks as a search engine. I’ve earned countless Amazon giftcards, Target Giftcards, Starbucks Giftcards, and more, with little effort! Then, I wait until Target or Amazon have something fantastic on sale. You can earn more swagbucks, too, by referring your friends. When you refer someone, each swagbuck that they earn, you also earn, so your points will accumulate very fast!

When you save all year on your survey sites, buy giftcards with your swagbucks, and wait for great sales, you’ll find yourself being able to afford a lot more than you thought was possible. There’s still several months, so start today and see if you can afford a great Christmas without paying anything!