It’s official. We’ve entered an annual season of celebration. It starts with end of the year concerts and school programs, rolls right through Mother’s Day and Prom, peaks with Graduation, and cruises right on into summer with Father’s Day and wedding season. If your family is anything like ours, it means that your calendar is booked solid with parties and open houses and you’re on the prowl for gifts to give to those who mean the most to you.

Nothing ushers the beauty of humanity to its fullest like a spirit of generosity. People long to give good gifts to those they love. Let’s face it, the old maxim, it’s more blessed to give than receive is true. From our earliest years, we loved the way our parents’ faces lit up when we picked flowers from the front yard or drew them a special card.

But generosity and budgets? They can at best be tenuous partners and at worst dueling enemies. Is it possible to give freely without demolishing your own financial goals? You betcha. Does it take time and intentionally? Indeed.

Planning Ahead is Key

Here’s the thing. Holidays, birthdays, Christmas, weddings, graduations – while the number and significance of each change from year to year, they pop up on the calendar each spin around the sun. There’s no reason to be caught off by Mother’s Day or graduation season or heaven forbid Christmas, which comes around every December 25th no matter what you do, I promise. For everyone, this will look a little different. Perhaps you will choose to budget for gift giving out of your general spending. Our family chooses to set aside a determined percentage of our income for the express purpose of generosity (beyond charitable giving). This allows us flexibility to see how much we have in what we refer to as the Generous Fund (not creative but it works) and then give from that amount. For our family, planning also involves talking about specific dollar amounts for specific occasions a couple of months out from the actual gift giving date. The more planning you can do, the better.

Read: Affordable and Meaningful Father’s Day Ideas

Quit Giving What You Can’t Afford

Look here. I love your big, beautiful generous soul. Every time someone is running for a cause, you make a donation. When that adorable little girl from down the street arrives on your doorstep selling cookies or candles or candy bars, you just can’t stop yourself. You never miss sending out a birthday card or dropping a dollar or two in the bucket. I love doing all of the above, too. However, there have been times when we could not afford to give to extra causes no matter how much my heart longed to do so. If you give a gift but then can’t afford to purchase your groceries so you have put those on your credit card, it’s not really a gift. Tough words I know, but our money has finite limits. Stretching yourself beyond what you can afford to give is not wise and in the end leads to a myriad of problems.

Stop Diminishing Your Good Gifts

I don’t know when it happened to me, but somewhere along the way I began to add the word “just” to my vernacular way too often. I’m “just” a mom. I’m “just” able to give a small gift. Listen here, if all you can afford to give the teacher at the end of the year is a $5 gift card or a dozen homemade cookies, then that’s still a good gift. You’re still giving to them an acknowledgement of your gratitude for their sacrifice. Of course, we all have been impacted by very good gifts that don’t cost an arm and a leg. A heartfelt letter of encouragement, a handmade item that comes from your child, or even a small gift card still allows you to offer thanks or congratulations. Every bit counts.

For More Graduation Gift Ideas, Check out: 7 Ways to Save on Graduation Gifts

Spread Out The Cluster

The biggest challenge to gift giving for weddings or graduations (and even teacher gifts at the end of the year) is that we often feel bombarded with the need to give multiple gifts all at once. Even if you’ve planned ahead and budgeted, it can feel a bit overwhelming. Many years ago, I decided to give high school graduates a special postcard to celebrate their achievements. It was stamped and addressed to me and allowed them to fill out their favorite snacks and school supply needs. In the instructions I paired with the card, I encouraged them to fill out the postcard when they took off for college in the fall. As long as they included their new address, I would send them a care package when they needed it, filled with some homemade goodies and items they might need. With that care package, I sent another post card. This allowed me to not only give a meaningful gift, but also to spread out the gift giving to months throughout the year, instead a concentrated period of time. Luckily for you, I put together a version of the graduation care package post card a couple of years ago!

Print Your Own Graduation Care Package Postcard!

This spring and summer, live life large. Celebrate the big wins. Cherish those you love. But be wise about the ways you show your generosity by making the most of every penny. After all, the more money you save and budget, the more you’ll be able to give in the long run.

My book is now available: Slaying the Debt Dragon: How One Family Conquered Their Money Monster and Found an Inspired Happily Ever After. You can also check out The Debt Free Devotional on Kindle.  

This post contains an affiliate link. That means when you get a great deal or maybe even something for free, you also help our family pay off our mortgage early. And for that, we royally thank you!

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