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Christmas will be here in less than 20 days! For all of you struggling to find the perfect gift here are 10 gift ideas you should gift, ask for, or just give to yourself that won’t break the bank!

The best investment you can make is in yourself, the second best investment you can make is in helping others, here are some finance related gifts that will keep on giving:

1.) The Total Money Make Over by Dave Ramsey. A great gift for new couples, friends, family, or anyone trying to get out of debt.

Click here to Purchase

2.) – Stock Gift Cards. Remember back in the day when you could buy one share in a company and get the actual stock certificate to give as a gift? Well allows you to do the same but in gift card form. Unfortunately, you don’t get a physical “stock certificate” in the mail when you purchase a stock gift card, however, does allow you to buy and give stock gift cards to a number of different companies and you can even buy fractional shares. This is a great gift for kids (you’ll have to open a custodial account for them) or for the people in your life that want to start investing but just don’t know how.

3.) Open an Online Savings account with Qapital* or Capital One 360* and automate your savings. If your goal is to really start saving this year and to get focused on your finances, why not give yourself the gift of automating your savings. Get ahead of your goals for 2018, commit, and give yourself this gift. You can even setup your account to have the first withdrawal date start on Jan. 1. Whether you start with an automated withdrawal of $1 to $100 dollars every month, just START. It literally only takes 5 minutes to set up. No excuses- do it now

Click here for for Qapital refer a friend Link           Click here for my Capital One 360 link

*Sign up through my link and I get a dope referral bonus at no cost to you!

4.) Subscription Based Gift Cards-  Nothing says Christmas more than paying a small bill for someone, it’s the adult Christmas way! Take a small bill off someone’s plate to lighten the load this Christmas. A Netflix’s gift card can go towards an already open account, a Spotify gift card for a music lover, or getting someone a membership to a wholestore like Costco or Sam’s Club.

5.) Richest Man in Babylon Book by George S. Clason. – $6.99 A great, short, read for anyone looking for the basics on how to get on track with their finances told in parable form.

Click here to purchase

Here are some non-finance gifts that look expensive but won’t break the bank (good for last minute gifts, white elephant parties, coworkers, stocking stuffers)! :

6.) Google Home Mini -$49/$29 depending on where you get it!  A hands-free assistant powered by Google Assistant, so you can ask it questions and tell it to do things.


7.) Swell Bottle – $35. Cool water bottle with a ton of different colors to choose from.  


Click here to purchase

8.) Travelogue, Interactive Travel Journal with Scratchable Pages $25 . The perfect gift for any traveler in your life!

Click here to purchase

9.) Splosh Change Box – Adventure Fund by Splosh – $43.98. Someone you know dreaming of a fun vacation, well get them a cute, fun, spare change box to save for it!

Click here to purchase

10.) AROMATHERAPY Candle (Stress Relief – Eucalyptus Spearmint) $19.99. Hands down one of my all time favorite candles, smell, and is one of the best ways to relax!

Click here to purchase

I hope you enjoyed this 10 practical gift ideas list and as you shop remember that you don’t have to splurge in order to give a thoughtful, practical, and enjoyable gift to someone or even yourself. Christmas is less than 20 days away, so you better get going.


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Written by Carmen

Creator of, a blog dedicated to all things personal finance and money. Crushed over 38k in debt in less than 18 months and I’m on a mission to help others achieve financial freedom.