The recession has hit us hard, but you can still give low cost, creative, and fabulous gifts. With the holidays approaching and money dwindling, you may wonder how you are ever going to appease all of those people that want may expect gifts from you. Here are ten creative gift ideas that won't hurt your pocketbook and keep MR. BAILOUT at bay in 2009:

Tip one: baby sitting

Unless you own a time, no one has enough time. How do you give a gift that is so needed and so rare? Get creative! Parents always need time. Offer to watch their kids one weekend night and ask that they do the same for you the next week.

Tip two: chores.

You can put up Christmas lights as a gift or take them down. In the spring, houses will need a good overall cleaning, and an extra set of hands are not to be turned away lightly. Present these gifts of time in cards or with token gifts like a package of duster sheets. The time lacking among your friends may appreciate it.

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