Milk and Cookies

with Kristen

I'm a mother of five, a bargain hunter, a recreational comparison shopper, and always trying to make more time - for me and for you, too. On this blog I'm sharing my favorite tools and finds to help make your work-life juggle a bit easier.

You can find my personal blog at Swistle.com.

Gift ideas for people having financial problems

Categories: Gifts, Holiday

12 comments

It may be that you have people on your gift list this year who are in need of more practical things than one-cup coffee makers and French perfume and silver bracelets.  It can feel weird to buy someone something they don’t really need when there are so many things they DO need—and yet, a case of toilet paper doesn’t have that Holiday Spirit. It’s likely that those same people come with an additional issue: you know they won’t have much money to spend on gifts this year, so you don’t want to make them feel awkward by buying them something much more expensive than what they can afford to give.

In this situation we are looking for gifts that FEEL FUN while still being practical; and we are also looking for gifts that, contrary to the usual goal, seem LESS expensive than they are.

1. Nice groceries. A case of toilet paper doesn’t work under the tree, but sturdy yummy crackers like flavored Triscuits, and big blocks of cheese, and good cuts of meat, and crates of those little oranges, are both nutritious and fancy. Necessary unnecessaries such as coffee and tea and flavored coffee creamers can increase the treat factor. And as any grocery-shopper knows, you can spend huge bucks without looking like you spent much.

2. The gift of warmth. Lots of things fall in this category: quilts, electric blankets, throw blankets, sweaters, down slippers, pajamas, shawls, hats and gloves and scarves. They’re practical and can save on heating bills, but they also feel like real holiday gifts in a way “Here, have a check for 1/5th of this month’s heating bill!” does not. And you can buy something high quality (wool, down, well-made), so that the gift will last longer, warm the recipient better, and also won’t look as expensive as it was.

3. Coffee maker. Did I not JUST finish saying that a coffee maker was NOT what people need in hard times? And it’s true that this might not be the year for the Keurig, considering how expensive the replacement cups are. But a sensible machine that brews into a travel mug (there’s this one for a one-coffee-drinker household or this one for two coffee drinkers) can save both time and money for someone who loves coffee and doesn’t want to stop at a drive-through, and you can give it with bags and bags of coffee and a bunch of flavored creamers. Practical but still fun.

4. Go straight for the gift card. It doesn’t meet the requirement of costing more than it looks like it costs: the recipient will know exactly what you spent. But sometimes people in dire financial straits need to make their own buying decisions, and a Visa gift card can be the way to go: fun, yet very very VERY practical. And if you give it along with some “little things” (the expensive warm gloves that look ordinary, the cheese and crackers), you can still have things to wrap and things that are more expensive than they seem.



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12 comments so far...

  • I think throwing in home-baked goodies is always a good idea, too. They can be bread and muffins, etc, not just cookies

    Nowheymama  |  November 17th, 2010 at 11:35 am

  • These are great ideas!

    Erica  |  November 17th, 2010 at 11:48 am

  • Totally agree, especially with the gift card. We’re coming out of a really (REALLY) rough couple of years and there were a few times when a $20 Trader Joe’s gift card saved our butts.

    May I add one? Give the gift of something to do. When you don’t know how you’ll pay for rent AND groceries, you have zero entertainment budget. Give a pair of movie passes and the promise of babysitting and you could make someone’s day. (Also good: zoo or museum membership.)

    Annika  |  November 17th, 2010 at 1:00 pm

  • Thank you for this article. So timely! My mother really struggles with this because she loves the surprise factor and finding the perfect gift for everyone. However, both my brother and I have had a really hard year (his family’s home was partially destroyed by a flood, and we’re struggling with my unemployment). I most need things like socks and bras and new running shoes, but she doesn’t like giving those things. I think a suggestions of a combination of practical things mixed in with little treats is a great, great idea!

    Molly  |  November 17th, 2010 at 2:32 pm

  • My father-in-law has been in hard financial times for a number of years. In the past we’ve opted for grocery store gift cards and one year some Omaha steaks packages. I wish we could just tell him not to get us anything since I really really don’t care, however, that would injure his pride. Bummer.

    Maggie  |  November 17th, 2010 at 6:51 pm

  • These are great! I would like to second the suggestion of homemade treats/items. I find that people with not a lot to spend appreciate these even more, especailly if they are giving homemade things. It makes them feel more accpeted, if that makes any sense. Maybe that’s just me!

    Fran  |  November 17th, 2010 at 8:14 pm

  • I think the hardest thing about buying gifts for friends and family in difficult financial situations is the fact that they will feel they need to buy YOU a gift as well, which doesn’t make the holidays any easier for them.

    Jen_Ann_W  |  November 20th, 2010 at 4:28 pm

  • Jen_Ann_W- I totally agree. I emphasize buying things that look less expensive than they are—so that the other person won’t feel like they have to reciprocate as much as was actually spent.

    Swistle  |  November 20th, 2010 at 4:41 pm

  • Those are fabulous ideas! Fabulous!!!!

    Nicole  |  November 20th, 2010 at 6:19 pm

  • I love your suggestions. Also, if you knew the person in question was vain about their hair but couldn’t really afford the salon shampoos, maybe some of that? Or a gift card for a haircut/color? Or if you go for DVD’s, go for a tv series rather than a movie.

    On a side note, as a Keurig owner….the little cups *look* expensive, when you’re looking at a box of 18 cups vs. a bag of coffee…but if you are the only one drinking the coffee, there is less waste. Also, they have a gadget you can get to use whatever kind of coffee you want.

    When I bought regular coffee, I bought about a pound a week, at $7.99-$9 a pound. Now I buy about 2 boxes of K-cups a month, at $9.95/box. For me, it’s made sense. If you had several adults drinking coffee, it might be less so.

    GoingLoopy  |  November 22nd, 2010 at 1:55 am

  • These are great tips, and here’s one more about the Keurig: You can buy a reusable filter that’s just like a permanent coffee filter.

    I’m not sure how much it costs (because ours was a wonderful wonderful gift!) but the filter can be filled with regular ground coffee of any kind, so people don’t have to buy the little cups. It works perfectly. Way cheaper and way better for the environment.

    g.  |  November 22nd, 2010 at 12:30 pm

  • Experience here. If you areclose enough to thefamily. Consider gifting the gift card early enough to allow them to useit for theirkids or for situations in which they may need to provide a gift for social reasons.

    Momagain  |  November 23rd, 2010 at 4:49 pm

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