It always is advisable to save some money each month or week. Money which will be used later in the year to buy gifts. Many people however find it hard to save money thusly or even if they do, they might be tempted to spend it. The solution I think would be to buy a gift card [with no expiration date] each month. It could be a $50 gift card at the end of the month. By the end of the year you'll have $600 to spend on gifts. Thoughts?