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$20 Thoughtful Gift Ideas This Holiday Season

Giving gifts is one of my favorite things. Oftentimes, I want to give too much and will blow through my set budget. The importance of a holiday gift budget isn’t to limit joy, it’s all about preserving your finances and spreading cheer. Our debt counselors know overspending and debt leads to quite the opposite of holiday cheer. Keep your finances in order and still show family and friends you care with these $20 thoughtful gift ideas.

If you're paying off debt, try these $10 thoughtful gift ideas!

If you’re paying off debt, try these $20 thoughtful gift ideas!

List of $20 Thoughtful Gift Ideas

Fortunately, there are plenty of gifts available for a small budget. Setting a low gift budget can allow you to still get out of debt that you may already have. Some of the list below are retail and others are DIY. Use this collection of $20 thoughtful gift ideas to spark your holiday shopping.

Gift Ideas for a Low Budget

  1. Month subscription of Netflix or Spotify
  2. CD or DVD or Vinyl
  3. Book
  4. Quality Used Item
  5. Scarf
  6. $20!
  7. Wool Socks
  8. Yarn
  9. Drawing Pad & Markers
  10. DIY Recipe in a Mason Jar
  11. Blanket
  12. Candy
  13. Movie Pass
  14. Homemade Treats
  15. Magnetic Framed Photo
  16. Beauty Supplies
  17. Simple Ring or Piece of Jewelry
  18. Candle
  19. Wine
  20. Cute Home Decor
  21. Tree Ornament
  22. Hat

Don’t discount your own ability to make a DIY gift. If you are crafty or can work with a friend to create something, go for it! You may end up a few dollars below or above $20 on a gift. Just be sure to balance one purchase out with another or know where the overages can be pulled from in the budget.

Make sure to create your own holiday shopping checklist. Write down everyone who needs a present, your ideas for them and the budget. From there you can research the costs of the gifts you want. You may need to change gift ideas if it’s too pricey or if you need to find it used somewhere. Thrift shops, eBay and Craigslist are a few examples of places you can find gifts for a reduced price.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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